| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.1% | -3.3 pts |
| Share growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Loan growth (YoY) | -1.6% | +5.4% | -7.0 pts |
| ROA | -0.37% | 0.71% | -1.1 pts |
| ROE | -3.7% | 6.3% | -10.0 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.33B | $3.68B | $3.19B | $440.7M | $-4.1M | -0.37% | 3.25% | 1.69% | 242,144 |
| Q4 2025 | $4.38B | $3.65B | $3.14B | $455.6M | $21.2M | 0.48% | 3.56% | 1.98% | 240,374 |
| Q3 2025 | $4.33B | $3.64B | $3.22B | $455.2M | $17.9M | 0.55% | 3.62% | 1.76% | 240,147 |
| Q2 2025 | $4.29B | $3.57B | $3.30B | $449.8M | $12.5M | 0.58% | 3.56% | 1.64% | 241,295 |
| Q1 2025 | $4.25B | $3.58B | $3.24B | $443.4M | $6.1M | 0.58% | 3.42% | 1.64% | 240,860 |
| Q4 2024 | $4.19B | $3.56B | $3.24B | $437.3M | $-14.2M | -0.34% | 3.42% | 1.89% | 240,428 |
| Q3 2024 | $4.24B | $3.56B | $3.11B | $463.8M | $9.3M | 0.29% | 3.36% | 1.94% | 239,964 |
| Q2 2024 | $4.23B | $3.56B | $3.07B | $462.9M | $8.4M | 0.40% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.37% | 0.71% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -3.7% | 6.3% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.51% |
| 239,494 |
Loan mix (Q1 2026): real estate $1.13B · commercial $612.1M · consumer $946.5M · securities $411.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 73.0% | 31th |
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.