| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +5.1% | -8.1 pts |
| Share growth (YoY) | -4.2% | +4.9% | -9.0 pts |
| Loan growth (YoY) | -1.5% | +5.4% | -6.9 pts |
| ROA | 0.37% | 0.71% | -0.3 pts |
| ROE | 4.1% | 6.3% | -2.2 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.19B | $1.73B | $1.77B | $197.2M | $2.0M | 0.37% | 2.47% | 0.19% | 101,712 |
| Q4 2025 | $2.18B | $1.72B | $1.77B | $195.2M | $7.8M | 0.36% | 2.20% | 0.21% | 101,075 |
| Q3 2025 | $2.22B | $1.76B | $1.79B | $193.5M | $5.4M | 0.33% | 2.08% | 0.20% | 103,920 |
| Q2 2025 | $2.26B | $1.80B | $1.79B | $192.0M | $3.9M | 0.35% | 2.00% | 0.29% | 103,889 |
| Q1 2025 | $2.26B | $1.80B | $1.79B | $189.3M | $1.3M | 0.23% | 1.90% | 0.15% | 103,246 |
| Q4 2024 | $2.21B | $1.74B | $1.79B | $188.1M | $4.7M | 0.21% | 1.81% | 0.24% | 102,520 |
| Q3 2024 | $2.19B | $1.72B | $1.79B | $187.0M | $3.0M | 0.18% | 1.80% | 0.28% | 102,584 |
| Q2 2024 | $2.18B | $1.70B | $1.78B | $185.2M | $1.2M | 0.11% | 1.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.71% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 102,123 |
Loan mix (Q1 2026): real estate $1.35B · commercial $232.6M · consumer $173.3M · securities $186.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 73.0% | 91th |
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.