| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.1% | +0.6 pts |
| Share growth (YoY) | +5.8% | +4.9% | +1.0 pts |
| Loan growth (YoY) | +5.7% | +5.4% | +0.2 pts |
| ROA | 0.21% | 0.71% | -0.5 pts |
| ROE | 2.0% | 6.3% | -4.3 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.13B | $2.77B | $2.63B | $336.0M | $1.7M | 0.21% | 3.54% | 0.96% | 233,973 |
| Q4 2025 | $2.99B | $2.63B | $2.51B | $334.3M | $12.3M | 0.41% | 3.68% | 1.08% | 230,346 |
| Q3 2025 | $2.91B | $2.56B | $2.43B | $338.7M | $10.2M | 0.47% | 3.77% | 0.89% | 229,159 |
| Q2 2025 | $2.91B | $2.56B | $2.47B | $334.5M | $5.9M | 0.41% | 3.72% | 0.95% | 230,192 |
| Q1 2025 | $2.96B | $2.62B | $2.49B | $330.3M | $1.8M | 0.24% | 3.56% | 0.79% | 234,108 |
| Q4 2024 | $2.94B | $2.56B | $2.43B | $328.5M | $9.2M | 0.31% | 3.37% | 1.03% | 233,617 |
| Q3 2024 | $2.88B | $2.44B | $2.39B | $331.8M | $5.8M | 0.27% | 3.44% | 1.06% | 233,807 |
| Q2 2024 | $2.89B | $2.53B | $2.36B | $328.5M | $2.5M | 0.18% | 3.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | GTE Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.71% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 6.3% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 233,716 |
Loan mix (Q1 2026): real estate $897.9M · commercial $207.3M · consumer $1.41B · securities $179.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 73.0% | 67th |
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 | GTE Federal Credit Union | 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 | GTE Federal Credit Union | 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 | GTE Federal Credit Union | 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 | GTE Federal Credit Union | 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.