| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.8% | -3.8 pts |
| Share growth (YoY) | +0.2% | +4.3% | -4.1 pts |
| Loan growth (YoY) | +0.3% | +4.3% | -4.0 pts |
| ROA | 0.42% | 0.62% | -0.2 pts |
| ROE | 5.3% | 5.9% | -0.7 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $825.5M | $754.4M | $493.7M | $65.6M | $863K | 0.42% | 3.54% | 0.20% | 40,745 |
| Q4 2025 | $804.4M | $735.8M | $493.3M | $64.7M | $3.8M | 0.47% | 3.63% | 0.21% | 41,414 |
| Q3 2025 | $814.3M | $744.3M | $494.9M | $63.9M | $2.9M | 0.48% | 3.57% | 0.23% | 42,690 |
| Q2 2025 | $810.1M | $742.5M | $490.3M | $62.6M | $1.7M | 0.41% | 3.54% | 0.24% | 43,504 |
| Q1 2025 | $817.6M | $752.6M | $492.2M | $63.7M | $1.2M | 0.57% | 3.44% | 0.35% | 44,201 |
| Q4 2024 | $793.4M | $734.9M | $488.5M | $62.5M | $1.5M | 0.19% | 3.38% | 0.42% | 44,843 |
| Q3 2024 | $791.8M | $728.9M | $489.3M | $61.9M | $883K | 0.15% | 3.35% | 0.52% | 45,626 |
| Q2 2024 | $791.7M | $730.5M | $490.8M | $61.3M | $276K | 0.07% | 3.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.62% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 48,241 |
Loan mix (Q1 2026): real estate $300.3M · commercial $96.8M · consumer $63.0M · securities $204.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 78.3% | 89th |
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.