| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +5.1% | -10.1 pts |
| Share growth (YoY) | -4.1% | +4.9% | -9.0 pts |
| Loan growth (YoY) | -4.7% | +5.4% | -10.2 pts |
| ROA | 0.86% | 0.71% | +0.1 pts |
| ROE | 25.7% | 6.3% | +19.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.69B | $1.62B | $1.28B | $56.3M | $3.6M | 0.86% | 2.98% | 4.41% | 89,066 |
| Q4 2025 | $1.68B | $1.60B | $1.28B | $76.7M | $-4.5M | -0.27% | 2.91% | 4.84% | 88,408 |
| Q3 2025 | $1.69B | $1.59B | $1.33B | $91.0M | $3.5M | 0.27% | 3.10% | 5.67% | 88,687 |
| Q2 2025 | $1.73B | $1.63B | $1.32B | $91.1M | $3.6M | 0.41% | 3.10% | 5.28% | 88,518 |
| Q1 2025 | $1.78B | $1.68B | $1.34B | $89.1M | $-384K | -0.09% | 2.54% | 7.14% | 88,533 |
| Q4 2024 | $1.74B | $1.65B | $1.35B | $89.5M | $-37.2M | -2.14% | 2.56% | 7.33% | 88,662 |
| Q3 2024 | $1.80B | $1.66B | $1.34B | $125.5M | $-2.6M | -0.19% | 2.46% | 6.03% | 89,145 |
| Q2 2024 | $1.80B | $1.65B | $1.35B | $127.8M | $-294K | -0.03% | 2.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.71% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 25.7% | 6.3% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 6.25% |
| 88,946 |
Loan mix (Q1 2026): real estate $404.1M · commercial $460.3M · consumer $376.6M · securities $153.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 73.0% | 64th |
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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