| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +5.1% | -2.1 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.3 pts |
| Loan growth (YoY) | -0.5% | +5.4% | -5.9 pts |
| ROA | 0.52% | 0.71% | -0.2 pts |
| ROE | 4.3% | 6.3% | -2.0 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.11B | $967.2M | $701.5M | $135.0M | $1.5M | 0.52% | 3.35% | 0.79% | 50,782 |
| Q4 2025 | $1.09B | $951.7M | $718.2M | $133.5M | $6.3M | 0.58% | 3.13% | 1.36% | 50,767 |
| Q3 2025 | $1.08B | $940.4M | $708.0M | $130.2M | $3.1M | 0.38% | 3.13% | 1.18% | 50,839 |
| Q2 2025 | $1.08B | $950.4M | $705.9M | $128.9M | $1.7M | 0.32% | 3.00% | 1.02% | 52,038 |
| Q1 2025 | $1.08B | $943.4M | $704.6M | $127.1M | $-96K | -0.04% | 2.97% | 0.83% | 52,065 |
| Q4 2024 | $1.06B | $927.0M | $729.5M | $127.2M | $-4.2M | -0.40% | 2.93% | 1.76% | 52,015 |
| Q3 2024 | $1.04B | $904.9M | $755.4M | $130.5M | $-872K | -0.11% | 2.95% | 1.96% | 52,004 |
| Q2 2024 | $1.03B | $895.6M | $781.6M | $130.7M | $-652K | -0.13% | 2.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.71% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.3% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.57% |
| 53,054 |
Loan mix (Q1 2026): real estate $398.6M · commercial $0 · consumer $287.3M · securities $294.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 73.0% | 56th |
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.