| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.1% | -4.4 pts |
| Share growth (YoY) | +0.1% | +4.9% | -4.8 pts |
| Loan growth (YoY) | -1.3% | +5.4% | -6.8 pts |
| ROA | 0.28% | 0.71% | -0.4 pts |
| ROE | 2.2% | 6.3% | -4.0 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.27B | $1.06B | $804.2M | $162.0M | $903K | 0.28% | 3.66% | 1.30% | 92,195 |
| Q4 2025 | $1.25B | $1.04B | $812.6M | $161.1M | $4.0M | 0.32% | 3.66% | 1.73% | 93,228 |
| Q3 2025 | $1.24B | $1.04B | $803.4M | $159.6M | $2.4M | 0.26% | 3.63% | 2.29% | 95,236 |
| Q2 2025 | $1.26B | $1.05B | $806.1M | $158.6M | $1.4M | 0.22% | 3.58% | 1.59% | 96,390 |
| Q1 2025 | $1.26B | $1.06B | $815.1M | $157.7M | $512K | 0.16% | 3.46% | 1.46% | 98,358 |
| Q4 2024 | $1.26B | $1.05B | $828.7M | $157.2M | $2.4M | 0.19% | 3.35% | 1.75% | 99,699 |
| Q3 2024 | $1.24B | $1.05B | $809.5M | $156.0M | $1.0M | 0.11% | 3.37% | 1.74% | 102,023 |
| Q2 2024 | $1.26B | $1.06B | $821.6M | $155.9M | $921K | 0.15% | 3.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.71% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 6.3% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.50% |
| 102,401 |
Loan mix (Q1 2026): real estate $324.2M · commercial $176.8M · consumer $296.9M · securities $341.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 73.0% | 73th |
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.