| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.8% | -5.2 pts |
| Share growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +7.7% | +4.3% | +3.3 pts |
| ROA | 0.46% | 0.62% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $772.2M | $668.5M | $542.9M | $94.9M | $885K | 0.46% | 3.00% | 0.18% | 34,654 |
| Q4 2025 | $766.4M | $661.5M | $534.2M | $94.1M | $4.5M | 0.59% | 2.83% | 0.26% | 34,247 |
| Q3 2025 | $774.1M | $650.9M | $519.5M | $94.2M | $3.6M | 0.63% | 2.76% | 0.22% | 33,978 |
| Q2 2025 | $763.2M | $643.6M | $514.8M | $93.2M | $2.7M | 0.71% | 2.75% | 0.23% | 33,628 |
| Q1 2025 | $775.4M | $656.5M | $504.2M | $92.0M | $1.5M | 0.76% | 2.62% | 0.21% | 33,279 |
| Q4 2024 | $764.5M | $628.7M | $495.2M | $90.5M | $4.5M | 0.59% | 2.65% | 0.33% | 33,053 |
| Q3 2024 | $765.8M | $623.7M | $488.3M | $90.6M | $4.2M | 0.73% | 2.69% | 0.20% | 33,018 |
| Q2 2024 | $758.2M | $618.8M | $476.1M | $89.3M | $2.3M | 0.60% | 2.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.62% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 32,924 |
Loan mix (Q1 2026): real estate $309.5M · commercial $97.5M · consumer $123.6M · securities $146.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 78.3% | 88th |
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.