| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.8% | -4.1 pts |
| Share growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| Loan growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| ROA | 0.39% | 0.62% | -0.2 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $622.0M | $589.2M | $407.7M | $48.7M | $602K | 0.39% | 3.21% | 0.54% | 43,878 |
| Q4 2025 | $614.7M | $582.3M | $404.2M | $48.1M | $2.1M | 0.35% | 3.10% | 0.66% | 43,564 |
| Q3 2025 | $592.9M | $565.4M | $403.9M | $47.6M | $1.3M | 0.29% | 3.15% | 0.51% | 43,181 |
| Q2 2025 | $608.4M | $581.7M | $397.9M | $47.1M | $805K | 0.26% | 3.09% | 0.43% | 42,911 |
| Q1 2025 | $618.0M | $591.1M | $390.2M | $46.7M | $401K | 0.26% | 3.04% | 0.49% | 42,774 |
| Q4 2024 | $600.5M | $577.7M | $389.3M | $46.3M | $1.0M | 0.17% | 2.97% | 0.53% | 42,704 |
| Q3 2024 | $604.4M | $579.8M | $389.4M | $46.3M | $648K | 0.14% | 2.92% | 0.67% | 45,323 |
| Q2 2024 | $600.0M | $578.8M | $392.8M | $45.9M | $302K | 0.10% | 2.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.62% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 45,841 |
Loan mix (Q1 2026): real estate $141.3M · commercial $21.4M · consumer $199.7M · securities $94.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.3% | 61th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.