| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +5.1% | -6.3 pts |
| Share growth (YoY) | -0.2% | +4.9% | -5.1 pts |
| Loan growth (YoY) | +1.6% | +5.4% | -3.9 pts |
| ROA | 0.76% | 0.71% | +0.0 pts |
| ROE | 4.9% | 6.3% | -1.4 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.50B | $1.11B | $1.06B | $233.8M | $2.9M | 0.76% | 4.29% | 1.03% | 162,645 |
| Q4 2025 | $1.48B | $1.07B | $1.06B | $231.0M | $10.7M | 0.72% | 4.37% | 1.10% | 163,183 |
| Q3 2025 | $1.45B | $1.05B | $1.06B | $229.2M | $8.9M | 0.82% | 4.40% | 1.12% | 164,201 |
| Q2 2025 | $1.52B | $1.10B | $1.06B | $225.6M | $5.3M | 0.70% | 4.16% | 1.01% | 164,393 |
| Q1 2025 | $1.52B | $1.11B | $1.04B | $222.9M | $2.5M | 0.67% | 4.06% | 0.99% | 165,712 |
| Q4 2024 | $1.47B | $1.06B | $1.05B | $220.3M | $16.9M | 1.15% | 4.11% | 1.05% | 166,043 |
| Q3 2024 | $1.46B | $1.05B | $1.05B | $215.6M | $13.1M | 1.20% | 4.11% | 1.00% | 165,037 |
| Q2 2024 | $1.47B | $1.08B | $1.04B | $213.4M | $10.9M | 1.48% | 4.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.71% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 6.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 166,064 |
Loan mix (Q1 2026): real estate $522.1M · commercial $63.2M · consumer $211.6M · securities $162.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 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.