| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.9% | +4.8% | -11.6 pts |
| Share growth (YoY) | -7.7% | +4.3% | -11.9 pts |
| Loan growth (YoY) | -13.5% | +4.3% | -17.8 pts |
| ROA | 0.58% | 0.62% | -0.0 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $654.0M | $602.0M | $478.2M | $49.8M | $956K | 0.58% | 3.68% | 1.56% | 70,924 |
| Q4 2025 | $655.7M | $604.3M | $485.3M | $48.8M | $1.1M | 0.16% | 4.08% | 2.11% | 71,306 |
| Q3 2025 | $662.8M | $611.2M | $507.0M | $50.4M | $1.2M | 0.23% | 4.06% | 1.89% | 72,244 |
| Q2 2025 | $693.4M | $642.4M | $525.6M | $50.5M | $1.2M | 0.35% | 3.89% | 1.46% | 71,938 |
| Q1 2025 | $702.2M | $651.8M | $552.9M | $49.4M | $157K | 0.09% | 3.75% | 1.01% | 73,008 |
| Q4 2024 | $758.5M | $707.3M | $574.3M | $51.2M | $-793K | -0.10% | 3.46% | 2.09% | 73,579 |
| Q3 2024 | $786.7M | $733.8M | $592.5M | $54.7M | $1.1M | 0.18% | 3.35% | 2.11% | 73,095 |
| Q2 2024 | $796.2M | $745.6M | $607.3M | $53.6M | $258K | 0.06% | 3.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.62% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.18% |
| 72,721 |
Loan mix (Q1 2026): real estate $173.8M · commercial $11.3M · consumer $219.4M · securities $52.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 78.3% | 82th |
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.