| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.9% | -5.3 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.9 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 3.3% | 5.9% | -2.6 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $478.3M | $429.9M | $349.4M | $45.2M | $375K | 0.31% | 2.94% | 0.29% | 30,003 |
| Q4 2025 | $475.0M | $426.3M | $351.7M | $44.8M | $1.8M | 0.39% | 2.94% | 0.38% | 30,097 |
| Q3 2025 | $473.2M | $425.6M | $351.2M | $44.5M | $1.4M | 0.39% | 2.95% | 0.45% | 30,343 |
| Q2 2025 | $486.6M | $435.8M | $351.4M | $44.0M | $840K | 0.35% | 2.84% | 0.37% | 30,451 |
| Q1 2025 | $485.0M | $435.8M | $356.3M | $43.4M | $317K | 0.26% | 2.81% | 0.27% | 30,564 |
| Q4 2024 | $489.4M | $441.2M | $360.1M | $43.1M | $2.0M | 0.41% | 2.66% | 0.47% | 30,791 |
| Q3 2024 | $489.1M | $437.2M | $361.6M | $42.8M | $1.6M | 0.43% | 2.63% | 0.31% | 30,986 |
| Q2 2024 | $487.8M | $438.7M | $370.3M | $42.2M | $1.0M | 0.42% | 2.59% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 31,163 |
Loan mix (Q1 2026): real estate $199.5M · commercial $52.1M · consumer $91.1M · securities $73.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 78.7% | 86th |
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.