| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.8% | -4.4 pts |
| Share growth (YoY) | +3.7% | +4.3% | -0.6 pts |
| Loan growth (YoY) | +3.2% | +4.3% | -1.1 pts |
| ROA | -1.00% | 0.62% | -1.6 pts |
| ROE | -8.7% | 5.9% | -14.6 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $520.9M | $450.2M | $406.1M | $60.1M | $-1.3M | -1.00% | 3.99% | 0.84% | 26,302 |
| Q4 2025 | $529.6M | $441.9M | $402.7M | $61.4M | $676K | 0.13% | 3.68% | 0.71% | 25,722 |
| Q3 2025 | $520.4M | $431.8M | $398.0M | $61.6M | $899K | 0.23% | 3.69% | 1.18% | 26,360 |
| Q2 2025 | $520.4M | $433.3M | $399.1M | $61.3M | $633K | 0.24% | 3.66% | 1.08% | 26,203 |
| Q1 2025 | $519.0M | $434.1M | $393.5M | $61.3M | $631K | 0.49% | 3.60% | 0.75% | 26,037 |
| Q4 2024 | $504.5M | $420.0M | $391.6M | $60.7M | $2.4M | 0.48% | 3.59% | 0.48% | 26,620 |
| Q3 2024 | $492.1M | $404.3M | $383.1M | $59.9M | $1.6M | 0.43% | 3.64% | 0.58% | 26,531 |
| Q2 2024 | $485.1M | $403.9M | $378.6M | $59.5M | $1.2M | 0.51% | 3.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.00% | 0.62% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -8.7% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 26,322 |
Loan mix (Q1 2026): real estate $201.2M · commercial $109.7M · consumer $86.9M · securities $56.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.1% | 78.3% | 99th |
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.