| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +4.8% | -8.9 pts |
| Share growth (YoY) | -7.5% | +4.3% | -11.8 pts |
| Loan growth (YoY) | -3.6% | +4.3% | -7.9 pts |
| ROA | 0.08% | 0.62% | -0.5 pts |
| ROE | 1.0% | 5.9% | -4.9 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $658.1M | $520.7M | $593.8M | $53.4M | $136K | 0.08% | 3.38% | 0.97% | 47,671 |
| Q4 2025 | $655.7M | $518.5M | $598.2M | $53.2M | $-688K | -0.10% | 3.42% | 0.99% | 47,545 |
| Q3 2025 | $663.0M | $525.6M | $606.5M | $53.5M | $-799K | -0.16% | 3.37% | 0.99% | 47,509 |
| Q2 2025 | $677.9M | $540.4M | $609.0M | $53.5M | $-805K | -0.24% | 3.27% | 1.01% | 47,328 |
| Q1 2025 | $686.6M | $563.1M | $615.8M | $53.6M | $-744K | -0.43% | 3.17% | 1.04% | 47,208 |
| Q4 2024 | $682.9M | $541.9M | $622.4M | $54.3M | $873K | 0.13% | 3.13% | 1.20% | 47,069 |
| Q3 2024 | $693.3M | $559.5M | $633.2M | $54.9M | $1.0M | 0.20% | 3.05% | 1.88% | 47,257 |
| Q2 2024 | $718.7M | $567.3M | $640.3M | $54.6M | $725K | 0.20% | 3.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.62% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.93% |
| 47,098 |
Loan mix (Q1 2026): real estate $245.8M · commercial $117.1M · consumer $223.6M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.3% | 59th |
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.