| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +4.8% | -10.8 pts |
| Share growth (YoY) | -1.9% | +4.3% | -6.2 pts |
| Loan growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| ROA | 0.17% | 0.62% | -0.5 pts |
| ROE | 2.0% | 5.9% | -3.9 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $728.0M | $583.4M | $554.5M | $60.5M | $302K | 0.17% | 3.98% | 0.67% | 46,947 |
| Q4 2025 | $725.4M | $555.4M | $551.4M | $60.2M | $1.8M | 0.25% | 3.82% | 0.98% | 46,480 |
| Q3 2025 | $727.7M | $553.9M | $551.0M | $60.9M | $1.3M | 0.24% | 3.77% | 0.94% | 46,097 |
| Q2 2025 | $744.1M | $560.7M | $539.9M | $60.5M | $957K | 0.26% | 3.64% | 1.06% | 46,107 |
| Q1 2025 | $774.9M | $594.5M | $541.9M | $60.0M | $489K | 0.25% | 3.48% | 0.42% | 47,072 |
| Q4 2024 | $766.6M | $586.0M | $551.6M | $59.6M | $1.5M | 0.19% | 3.25% | 0.86% | 47,049 |
| Q3 2024 | $780.7M | $593.5M | $562.4M | $59.6M | $329K | 0.06% | 3.20% | 0.73% | 47,204 |
| Q2 2024 | $745.7M | $585.6M | $543.0M | $59.1M | $-170K | -0.05% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.62% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 47,519 |
Loan mix (Q1 2026): real estate $277.7M · commercial $18.4M · consumer $211.9M · securities $84.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.3% | 72th |
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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