| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +5.1% | -5.9 pts |
| Share growth (YoY) | -2.4% | +4.9% | -7.3 pts |
| Loan growth (YoY) | +0.3% | +5.4% | -5.1 pts |
| ROA | 0.56% | 0.71% | -0.2 pts |
| ROE | 3.7% | 6.3% | -2.6 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.35B | $1.12B | $977.4M | $203.1M | $1.9M | 0.56% | 3.68% | 0.44% | 70,972 |
| Q4 2025 | $1.32B | $1.10B | $983.2M | $201.2M | $8.0M | 0.60% | 3.62% | 0.46% | 70,779 |
| Q3 2025 | $1.32B | $1.10B | $984.9M | $199.1M | $4.4M | 0.44% | 3.61% | 0.53% | 70,503 |
| Q2 2025 | $1.32B | $1.11B | $981.3M | $197.7M | $3.0M | 0.45% | 3.54% | 0.48% | 69,792 |
| Q1 2025 | $1.36B | $1.15B | $974.4M | $196.2M | $1.4M | 0.42% | 3.38% | 0.43% | 69,530 |
| Q4 2024 | $1.38B | $1.13B | $986.4M | $194.8M | $5.9M | 0.43% | 3.17% | 0.51% | 69,254 |
| Q3 2024 | $1.44B | $1.15B | $996.7M | $193.9M | $3.5M | 0.32% | 2.98% | 0.48% | 69,207 |
| Q2 2024 | $1.42B | $1.15B | $1.00B | $192.5M | $2.0M | 0.29% | 2.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.71% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 68,642 |
Loan mix (Q1 2026): real estate $592.1M · commercial $0 · consumer $379.0M · securities $252.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 73.0% | 71th |
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.