| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.1% | +0.5 pts |
| Share growth (YoY) | +6.4% | +4.9% | +1.6 pts |
| Loan growth (YoY) | -41.2% | +5.4% | -46.6 pts |
| ROA | 0.13% | 0.71% | -0.6 pts |
| ROE | 1.1% | 6.3% | -5.2 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.14B | $1.85B | $935.4M | $259.7M | $682K | 0.13% | 0.91% | 3.07% | 56,790 |
| Q4 2025 | $2.15B | $1.87B | $1.52B | $259.0M | $12.2M | 0.57% | 3.11% | 2.66% | 56,832 |
| Q3 2025 | $2.15B | $1.87B | $1.52B | $273.1M | $8.6M | 0.53% | 3.08% | 1.93% | 57,584 |
| Q2 2025 | $2.01B | $1.74B | $1.52B | $265.6M | $1.1M | 0.11% | 3.31% | 1.90% | 57,853 |
| Q1 2025 | $2.02B | $1.74B | $1.59B | $266.5M | $460K | 0.09% | 3.19% | 1.59% | 57,515 |
| Q4 2024 | $2.00B | $1.71B | $1.59B | $266.0M | $3.9M | 0.20% | 3.38% | 1.61% | 57,462 |
| Q3 2024 | $2.05B | $1.76B | $1.60B | $283.2M | $2.8M | 0.19% | 3.25% | 1.61% | 58,462 |
| Q2 2024 | $2.00B | $1.72B | $1.58B | $282.3M | $2.0M | 0.20% | 3.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.71% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 6.3% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.91% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.55% |
| 57,726 |
Loan mix (Q1 2026): real estate $579.1M · commercial $78.4M · consumer $173.5M · securities $159.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 73.0% | 95th |
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.