| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.8% | -4.1 pts |
| Share growth (YoY) | -0.2% | +4.3% | -4.5 pts |
| Loan growth (YoY) | -5.0% | +4.3% | -9.3 pts |
| ROA | 0.43% | 0.62% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $961.8M | $862.5M | $526.6M | $93.0M | $1.0M | 0.43% | 3.18% | 0.35% | 60,128 |
| Q4 2025 | $950.7M | $852.7M | $531.6M | $92.6M | $3.1M | 0.33% | 3.09% | 0.48% | 59,905 |
| Q3 2025 | $952.9M | $845.0M | $538.5M | $91.8M | $2.3M | 0.32% | 3.06% | 0.44% | 60,366 |
| Q2 2025 | $941.2M | $845.2M | $549.1M | $91.1M | $1.6M | 0.33% | 3.06% | 0.41% | 60,674 |
| Q1 2025 | $955.2M | $864.1M | $554.3M | $90.0M | $458K | 0.19% | 2.96% | 0.45% | 61,653 |
| Q4 2024 | $939.4M | $849.6M | $575.4M | $90.2M | $3.6M | 0.39% | 3.07% | 0.34% | 63,772 |
| Q3 2024 | $1.01B | $841.0M | $585.0M | $89.4M | $2.8M | 0.37% | 2.85% | 0.29% | 68,429 |
| Q2 2024 | $1.01B | $842.7M | $591.3M | $88.3M | $2.0M | 0.39% | 2.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.62% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 68,013 |
Loan mix (Q1 2026): real estate $210.8M · commercial $65.9M · consumer $231.7M · securities $220.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 78.3% | 60th |
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.