| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +5.1% | -2.1 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Loan growth (YoY) | -5.8% | +5.4% | -11.3 pts |
| ROA | 0.56% | 0.71% | -0.2 pts |
| ROE | 5.3% | 6.3% | -1.0 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.30B | $1.15B | $608.5M | $136.8M | $1.8M | 0.56% | 2.86% | 0.63% | 74,260 |
| Q4 2025 | $1.29B | $1.14B | $617.5M | $135.0M | $10.3M | 0.80% | 2.95% | 0.64% | 74,598 |
| Q3 2025 | $1.28B | $1.14B | $624.3M | $132.7M | $7.8M | 0.81% | 2.95% | 0.80% | 74,799 |
| Q2 2025 | $1.27B | $1.13B | $641.7M | $130.5M | $5.6M | 0.88% | 2.94% | 0.67% | 75,189 |
| Q1 2025 | $1.26B | $1.12B | $646.2M | $128.1M | $3.2M | 1.00% | 2.93% | 0.59% | 79,492 |
| Q4 2024 | $1.22B | $1.09B | $652.6M | $124.9M | $9.5M | 0.78% | 3.01% | 0.86% | 79,651 |
| Q3 2024 | $1.20B | $1.07B | $668.7M | $122.6M | $7.0M | 0.78% | 3.08% | 0.67% | 80,810 |
| Q2 2024 | $1.21B | $1.08B | $685.6M | $120.8M | $5.2M | 0.87% | 3.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.71% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.62% |
| 80,895 |
Loan mix (Q1 2026): real estate $203.7M · commercial $0 · consumer $395.9M · securities $442.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 73.0% | 55th |
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.