| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +5.1% | -13.6 pts |
| Share growth (YoY) | -6.0% | +4.9% | -10.9 pts |
| Loan growth (YoY) | -8.1% | +5.4% | -13.6 pts |
| ROA | 0.50% | 0.71% | -0.2 pts |
| ROE | 5.0% | 6.3% | -1.3 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 | $1.35B | $1.10B | $948.2M | $136.5M | $1.7M | 0.50% | 2.31% | 0.79% | 50,620 |
| Q4 2025 | $1.39B | $1.12B | $974.2M | $134.8M | $3.6M | 0.26% | 2.04% | 0.86% | 50,695 |
| Q3 2025 | $1.41B | $1.13B | $996.5M | $133.6M | $1.7M | 0.16% | 1.98% | 0.77% | 51,448 |
| Q2 2025 | $1.43B | $1.14B | $1.02B | $132.5M | $613K | 0.09% | 1.88% | 0.87% | 51,714 |
| Q1 2025 | $1.48B | $1.17B | $1.03B | $131.7M | $-204K | -0.06% | 1.74% | 0.72% | 51,631 |
| Q4 2024 | $1.51B | $1.16B | $1.05B | $131.9M | $-3.7M | -0.25% | 1.71% | 0.98% | 51,610 |
| Q3 2024 | $1.52B | $1.16B | $1.07B | $133.2M | $-3.1M | -0.27% | 1.71% | 0.86% | 52,141 |
| Q2 2024 | $1.53B | $1.18B | $1.08B | $133.8M | $-2.4M | -0.31% | 1.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.71% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 52,101 |
Loan mix (Q1 2026): real estate $538.0M · commercial $204.9M · consumer $192.1M · securities $235.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 73.0% | 54th |
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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