| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.8% | -7.9 pts |
| Share growth (YoY) | -4.0% | +4.3% | -8.3 pts |
| Loan growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| ROA | 0.63% | 0.62% | +0.0 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $563.7M | $502.6M | $429.7M | $47.2M | $891K | 0.63% | 4.29% | 1.38% | 43,167 |
| Q4 2025 | $557.4M | $496.9M | $441.1M | $46.3M | $2.1M | 0.38% | 4.09% | 1.13% | 42,086 |
| Q3 2025 | $554.7M | $495.1M | $438.3M | $46.4M | $1.9M | 0.45% | 4.03% | 0.99% | 42,676 |
| Q2 2025 | $570.4M | $511.7M | $435.3M | $45.7M | $1.1M | 0.39% | 3.76% | 1.30% | 42,736 |
| Q1 2025 | $582.3M | $523.4M | $421.0M | $45.5M | $1.2M | 0.83% | 3.61% | 1.33% | 44,714 |
| Q4 2024 | $474.1M | $424.8M | $362.6M | $36.1M | $6K | 0.00% | 3.59% | 1.58% | 31,927 |
| Q3 2024 | $466.9M | $408.9M | $359.7M | $36.6M | $143K | 0.04% | 3.63% | 1.60% | 32,385 |
| Q2 2024 | $476.4M | $417.7M | $360.0M | $36.3M | $-100K | -0.04% | 3.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.62% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.47% |
| 32,720 |
Loan mix (Q1 2026): real estate $168.8M · commercial $70.2M · consumer $182.1M · securities $26.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 78.3% | 70th |
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.