| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.1% | -5.2 pts |
| Share growth (YoY) | -0.3% | +4.9% | -5.1 pts |
| Loan growth (YoY) | -0.6% | +5.4% | -6.0 pts |
| ROA | 0.67% | 0.71% | -0.0 pts |
| ROE | 2.8% | 6.3% | -3.5 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.05B | $748.7M | $855.1M | $250.2M | $1.8M | 0.67% | 4.57% | 1.34% | 125,782 |
| Q4 2025 | $1.05B | $744.3M | $857.2M | $248.4M | $7.6M | 0.73% | 4.49% | 2.04% | 126,823 |
| Q3 2025 | $1.06B | $752.5M | $855.9M | $245.6M | $4.8M | 0.61% | 4.43% | 1.72% | 128,420 |
| Q2 2025 | $1.06B | $753.5M | $853.9M | $243.4M | $2.6M | 0.49% | 4.38% | 1.59% | 130,054 |
| Q1 2025 | $1.05B | $750.5M | $859.9M | $241.7M | $919K | 0.35% | 4.32% | 1.69% | 132,939 |
| Q4 2024 | $1.05B | $754.2M | $867.1M | $240.8M | $11.9M | 1.13% | 4.18% | 2.06% | 144,214 |
| Q3 2024 | $1.08B | $780.1M | $872.5M | $234.9M | $5.7M | 0.71% | 4.05% | 1.80% | 145,305 |
| Q2 2024 | $1.05B | $748.8M | $869.7M | $233.6M | $4.4M | 0.85% | 4.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.71% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 6.3% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.14% |
| 141,243 |
Loan mix (Q1 2026): real estate $663.9M · commercial $0 · consumer $189.6M · securities $36.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 73.0% | 78th |
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.