| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.8% | -3.1 pts |
| Share growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| Loan growth (YoY) | +7.2% | +4.3% | +2.8 pts |
| ROA | -0.00% | 0.62% | -0.6 pts |
| ROE | -0.0% | 5.9% | -5.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $548.4M | $484.6M | $453.4M | $53.0M | $-4K | -0.00% | 3.50% | 0.49% | 44,515 |
| Q4 2025 | $531.5M | $469.6M | $431.6M | $53.0M | $1.4M | 0.27% | 3.49% | 0.55% | 44,391 |
| Q3 2025 | $529.4M | $467.1M | $435.0M | $53.2M | $1.1M | 0.27% | 3.47% | 0.47% | 44,751 |
| Q2 2025 | $531.0M | $468.9M | $432.6M | $52.7M | $560K | 0.21% | 3.39% | 0.54% | 44,898 |
| Q1 2025 | $539.6M | $477.4M | $423.1M | $52.2M | $-15K | -0.01% | 3.27% | 0.53% | 45,032 |
| Q4 2024 | $536.6M | $477.0M | $421.7M | $52.2M | $-270K | -0.05% | 3.07% | 0.65% | 45,210 |
| Q3 2024 | $543.7M | $483.2M | $437.2M | $52.5M | $-529K | -0.13% | 2.99% | 0.59% | 45,662 |
| Q2 2024 | $565.2M | $502.6M | $450.7M | $52.6M | $-459K | -0.16% | 2.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.62% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 45,811 |
Loan mix (Q1 2026): real estate $170.4M · commercial $22.8M · consumer $256.6M · securities $40.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 78.3% | 98th |
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.