| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.3% | +5.1% | -13.4 pts |
| Share growth (YoY) | -3.2% | +4.9% | -8.1 pts |
| Loan growth (YoY) | +3.0% | +5.4% | -2.4 pts |
| ROA | 0.65% | 0.71% | -0.1 pts |
| ROE | 4.3% | 6.3% | -2.0 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.71B | $1.26B | $215.5M | $256.7M | $2.8M | 0.65% | 1.02% | 0.37% | 23,992 |
| Q4 2025 | $1.82B | $1.24B | $217.5M | $253.9M | $3.3M | 0.18% | 0.56% | 0.21% | 24,104 |
| Q3 2025 | $1.81B | $1.24B | $214.9M | $251.9M | $1.2M | 0.09% | 0.49% | 0.26% | 24,317 |
| Q2 2025 | $1.83B | $1.27B | $210.1M | $250.7M | $1K | 0.00% | 0.40% | 0.56% | 24,108 |
| Q1 2025 | $1.87B | $1.31B | $209.2M | $250.4M | $-289K | -0.06% | 0.32% | 0.58% | 24,150 |
| Q4 2024 | $1.85B | $1.29B | $211.0M | $250.7M | $-7.1M | -0.38% | -0.16% | 0.84% | 24,239 |
| Q3 2024 | $1.86B | $1.30B | $212.8M | $252.0M | $-5.7M | -0.41% | -0.19% | 0.85% | 24,351 |
| Q2 2024 | $1.90B | $1.36B | $211.1M | $254.1M | $-3.6M | -0.38% | -0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.71% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.3% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.02% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 24,511 |
Loan mix (Q1 2026): real estate $192.1M · commercial $0 · consumer $21.7M · securities $1.42B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 73.0% | 0th |
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.