| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +5.1% | -5.6 pts |
| Share growth (YoY) | -1.5% | +4.9% | -6.4 pts |
| Loan growth (YoY) | -3.1% | +5.4% | -8.6 pts |
| ROA | 0.69% | 0.71% | -0.0 pts |
| ROE | 6.6% | 6.3% | +0.3 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.13B | $1.01B | $773.2M | $119.2M | $2.0M | 0.69% | 3.33% | 1.54% | 68,342 |
| Q4 2025 | $1.13B | $998.5M | $776.3M | $120.0M | $6.1M | 0.54% | 3.24% | 1.38% | 67,729 |
| Q3 2025 | $1.12B | $997.3M | $782.9M | $118.2M | $4.3M | 0.51% | 3.18% | 1.32% | 68,102 |
| Q2 2025 | $1.13B | $1.01B | $783.4M | $115.3M | $1.4M | 0.26% | 3.10% | 1.16% | 67,949 |
| Q1 2025 | $1.14B | $1.02B | $798.0M | $114.3M | $451K | 0.16% | 3.03% | 0.94% | 68,935 |
| Q4 2024 | $1.12B | $1.01B | $816.9M | $116.7M | $4.3M | 0.38% | 2.82% | 1.33% | 68,976 |
| Q3 2024 | $1.17B | $1.01B | $830.9M | $116.2M | $3.9M | 0.44% | 2.60% | 1.22% | 69,627 |
| Q2 2024 | $1.11B | $955.3M | $784.8M | $115.1M | $2.7M | 0.49% | 2.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.71% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 6.3% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.18% |
| 61,555 |
Loan mix (Q1 2026): real estate $297.1M · commercial $0 · consumer $445.2M · securities $215.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 73.0% | 42th |
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.