| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.8% | -3.0 pts |
| Share growth (YoY) | -3.1% | +4.3% | -7.4 pts |
| Loan growth (YoY) | -3.4% | +4.3% | -7.8 pts |
| ROA | 0.32% | 0.62% | -0.3 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $750.4M | $624.6M | $528.6M | $68.2M | $605K | 0.32% | 3.27% | 0.68% | 47,193 |
| Q4 2025 | $738.6M | $619.9M | $546.2M | $67.6M | $-273K | -0.04% | 3.22% | 0.80% | 47,191 |
| Q3 2025 | $745.2M | $626.7M | $555.4M | $67.5M | $-426K | -0.08% | 3.15% | 0.72% | 47,175 |
| Q2 2025 | $746.9M | $639.8M | $554.5M | $67.7M | $-173K | -0.05% | 3.12% | 0.72% | 47,175 |
| Q1 2025 | $737.7M | $644.8M | $547.4M | $68.4M | $-308K | -0.17% | 3.12% | 0.61% | 47,382 |
| Q4 2024 | $744.3M | $632.7M | $552.4M | $68.7M | $-1.4M | -0.19% | 3.14% | 0.86% | 47,271 |
| Q3 2024 | $759.2M | $623.4M | $559.6M | $69.0M | $-1.0M | -0.18% | 3.09% | 0.78% | 47,175 |
| Q2 2024 | $769.5M | $638.0M | $572.2M | $69.1M | $-926K | -0.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.62% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.04% |
| 0.62% |
| 47,029 |
Loan mix (Q1 2026): real estate $160.6M · commercial $149.8M · consumer $196.9M · securities $79.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 78.3% | 89th |
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.