| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +5.1% | -7.3 pts |
| Share growth (YoY) | -1.2% | +4.9% | -6.0 pts |
| Loan growth (YoY) | -6.5% | +5.4% | -11.9 pts |
| ROA | 1.06% | 0.71% | +0.3 pts |
| ROE | 8.1% | 6.3% | +1.9 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.00B | $866.7M | $811.5M | $130.5M | $2.7M | 1.06% | 3.52% | 0.94% | 91,095 |
| Q4 2025 | $977.2M | $842.9M | $835.1M | $127.9M | $10.3M | 1.05% | 3.63% | 1.15% | 84,566 |
| Q3 2025 | $978.9M | $844.3M | $857.6M | $125.3M | $7.6M | 1.04% | 3.61% | 0.75% | 86,622 |
| Q2 2025 | $978.1M | $848.0M | $868.7M | $122.2M | $4.6M | 0.94% | 3.54% | 0.58% | 86,355 |
| Q1 2025 | $1.02B | $876.8M | $867.5M | $119.5M | $1.9M | 0.74% | 3.28% | 0.48% | 86,252 |
| Q4 2024 | $992.3M | $837.3M | $886.1M | $117.6M | $7.8M | 0.79% | 3.16% | 0.64% | 88,001 |
| Q3 2024 | $1.00B | $838.9M | $900.0M | $114.0M | $4.2M | 0.56% | 3.06% | 0.67% | 87,983 |
| Q2 2024 | $993.3M | $832.4M | $894.4M | $112.6M | $2.8M | 0.56% | 3.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.71% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 87,360 |
Loan mix (Q1 2026): real estate $77.1M · commercial $4.3M · consumer $668.4M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 73.0% | 20th |
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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