| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.9% | -7.3 pts |
| Share growth (YoY) | -3.9% | +3.3% | -7.2 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.4 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $494.8M | $434.6M | $359.9M | $41.8M | $514K | 0.42% | 3.54% | 1.34% | 30,558 |
| Q4 2025 | $492.7M | $428.1M | $354.5M | $41.2M | $-1.1M | -0.22% | 3.46% | 1.38% | 30,733 |
| Q3 2025 | $498.8M | $432.5M | $358.8M | $41.1M | $-1.3M | -0.35% | 3.37% | 1.08% | 31,495 |
| Q2 2025 | $508.4M | $444.6M | $360.2M | $40.4M | $-1.3M | -0.53% | 3.19% | 0.95% | 31,943 |
| Q1 2025 | $512.3M | $452.2M | $365.4M | $41.2M | $-573K | -0.45% | 3.14% | 0.96% | 32,883 |
| Q4 2024 | $429.5M | $363.1M | $307.8M | $35.0M | $-3.0M | -0.69% | 2.76% | 1.17% | 24,744 |
| Q3 2024 | $436.1M | $362.4M | $310.6M | $37.5M | $-531K | -0.16% | 2.71% | 1.07% | 24,941 |
| Q2 2024 | $436.5M | $365.5M | $313.5M | $37.4M | $-627K | -0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.80% |
| 0.75% |
| 24,918 |
Loan mix (Q1 2026): real estate $197.0M · commercial $28.0M · consumer $126.0M · securities $106.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 78.7% | 76th |
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% |
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