| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.7 pts |
| Share growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Loan growth (YoY) | -0.5% | +5.4% | -5.9 pts |
| ROA | 0.23% | 0.71% | -0.5 pts |
| ROE | 2.7% | 6.3% | -3.6 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.25B | $922.3M | $1.04B | $107.9M | $725K | 0.23% | 2.70% | 0.83% | 58,845 |
| Q4 2025 | $1.23B | $918.1M | $1.03B | $107.2M | $3.6M | 0.29% | 2.60% | 0.79% | 58,391 |
| Q3 2025 | $1.22B | $884.8M | $1.03B | $106.7M | $2.6M | 0.29% | 2.59% | 0.89% | 58,545 |
| Q2 2025 | $1.22B | $877.4M | $1.04B | $106.0M | $1.9M | 0.32% | 2.55% | 0.96% | 57,478 |
| Q1 2025 | $1.22B | $877.0M | $1.05B | $105.0M | $943K | 0.31% | 2.52% | 0.84% | 56,892 |
| Q4 2024 | $1.22B | $882.5M | $1.06B | $104.0M | $876K | 0.07% | 2.36% | 0.71% | 56,279 |
| Q3 2024 | $1.20B | $841.0M | $1.06B | $104.1M | $455K | 0.05% | 2.37% | 0.73% | 56,816 |
| Q2 2024 | $1.20B | $839.7M | $1.06B | $103.8M | $154K | 0.03% | 2.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.71% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 6.3% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 55,930 |
Loan mix (Q1 2026): real estate $680.0M · commercial $0 · consumer $87.9M · securities $94.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 73.0% | 92th |
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.