| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.8% | -5.0 pts |
| Share growth (YoY) | +0.1% | +4.3% | -4.2 pts |
| Loan growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| ROA | 0.16% | 0.62% | -0.5 pts |
| ROE | 1.2% | 5.9% | -4.7 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $731.8M | $578.2M | $543.2M | $94.1M | $294K | 0.16% | 3.68% | 1.30% | 49,745 |
| Q4 2025 | $724.4M | $568.4M | $546.9M | $95.1M | $1.2M | 0.16% | 3.62% | 1.35% | 49,292 |
| Q3 2025 | $721.0M | $560.7M | $540.8M | $95.1M | $1.1M | 0.20% | 3.58% | 1.35% | 48,909 |
| Q2 2025 | $718.1M | $564.2M | $530.6M | $94.4M | $404K | 0.11% | 3.56% | 1.03% | 48,482 |
| Q1 2025 | $733.7M | $577.8M | $525.7M | $94.1M | $130K | 0.07% | 3.41% | 1.06% | 49,536 |
| Q4 2024 | $725.0M | $571.1M | $526.9M | $95.3M | $2.4M | 0.32% | 3.53% | 0.91% | 49,240 |
| Q3 2024 | $821.5M | $576.4M | $525.0M | $95.5M | $2.5M | 0.41% | 3.19% | 1.02% | 49,123 |
| Q2 2024 | $737.5M | $584.3M | $558.0M | $94.5M | $1.6M | 0.42% | 3.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.62% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 49,114 |
Loan mix (Q1 2026): real estate $259.9M · commercial $64.4M · consumer $177.3M · securities $76.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 78.3% | 80th |
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% |
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