| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Share growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Loan growth (YoY) | -1.9% | +5.4% | -7.4 pts |
| ROA | 0.60% | 0.71% | -0.1 pts |
| ROE | 6.9% | 6.3% | +0.6 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.15B | $1.87B | $1.72B | $189.0M | $3.3M | 0.60% | 3.44% | 0.32% | 127,755 |
| Q4 2025 | $2.13B | $1.85B | $1.73B | $185.7M | $14.2M | 0.66% | 3.44% | 0.56% | 127,567 |
| Q3 2025 | $2.13B | $1.85B | $1.75B | $183.2M | $10.3M | 0.65% | 3.42% | 0.45% | 127,998 |
| Q2 2025 | $2.13B | $1.83B | $1.79B | $179.1M | $6.3M | 0.59% | 3.35% | 0.43% | 128,379 |
| Q1 2025 | $2.10B | $1.86B | $1.75B | $175.1M | $2.2M | 0.43% | 3.27% | 0.39% | 127,660 |
| Q4 2024 | $2.11B | $1.87B | $1.76B | $172.8M | $-4.2M | -0.20% | 3.00% | 0.50% | 127,873 |
| Q3 2024 | $2.15B | $1.90B | $1.78B | $178.9M | $625K | 0.04% | 2.90% | 0.37% | 127,945 |
| Q2 2024 | $2.19B | $1.88B | $1.78B | $178.4M | $51K | 0.00% | 2.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.71% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 6.3% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 127,253 |
Loan mix (Q1 2026): real estate $488.4M · commercial $347.7M · consumer $766.0M · securities $121.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 73.0% | 73th |
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.