| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +5.1% | -6.5 pts |
| Share growth (YoY) | -2.2% | +4.9% | -7.0 pts |
| Loan growth (YoY) | -0.2% | +5.4% | -5.7 pts |
| ROA | 0.61% | 0.71% | -0.1 pts |
| ROE | 5.7% | 6.3% | -0.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.24B | $2.88B | $2.13B | $344.3M | $4.9M | 0.61% | 4.22% | 1.19% | 175,894 |
| Q4 2025 | $3.15B | $2.80B | $2.15B | $339.4M | $-1.6M | -0.05% | 4.42% | 2.46% | 174,887 |
| Q3 2025 | $3.21B | $2.83B | $2.10B | $334.8M | $-6.9M | -0.29% | 4.35% | 2.16% | 172,439 |
| Q2 2025 | $3.23B | $2.86B | $2.14B | $340.0M | $-1.7M | -0.11% | 4.28% | 2.00% | 172,750 |
| Q1 2025 | $3.28B | $2.94B | $2.14B | $336.0M | $-5.6M | -0.68% | 4.21% | 1.74% | 172,198 |
| Q4 2024 | $3.33B | $2.94B | $2.15B | $339.2M | $-7.2M | -0.22% | 2.44% | 1.81% | 179,805 |
| Q3 2024 | $1.65B | $1.32B | $856.2M | $136.1M | $3.3M | 0.27% | 2.92% | 2.67% | 92,526 |
| Q2 2024 | $1.65B | $1.34B | $848.0M | $134.8M | $2.1M | 0.25% | 2.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.71% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 6.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 2.44% |
| 92,149 |
Loan mix (Q1 2026): real estate $996.2M · commercial $287.6M · consumer $764.5M · securities $487.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 73.0% | 62th |
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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