| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.1% | +0.5 pts |
| Share growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Loan growth (YoY) | +9.0% | +5.4% | +3.6 pts |
| ROA | -0.33% | 0.71% | -1.0 pts |
| ROE | -3.2% | 6.3% | -9.5 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.31B | $1.06B | $992.9M | $135.1M | $-1.1M | -0.33% | 3.49% | 0.94% | 83,435 |
| Q4 2025 | $1.27B | $1.02B | $997.4M | $127.9M | $2.7M | 0.22% | 3.44% | 0.91% | 80,460 |
| Q3 2025 | $1.25B | $1.02B | $956.7M | $127.2M | $2.1M | 0.22% | 3.44% | 0.64% | 78,142 |
| Q2 2025 | $1.25B | $1.02B | $931.3M | $127.4M | $2.2M | 0.35% | 3.33% | 0.55% | 75,647 |
| Q1 2025 | $1.24B | $1.03B | $910.7M | $125.0M | $1.4M | 0.44% | 3.15% | 0.71% | 73,800 |
| Q4 2024 | $1.20B | $991.7M | $890.6M | $123.9M | $4.3M | 0.36% | 3.06% | 0.96% | 72,528 |
| Q3 2024 | $1.16B | $971.2M | $856.5M | $97.7M | $3.1M | 0.36% | 3.12% | 0.68% | 71,618 |
| Q2 2024 | $1.14B | $954.0M | $827.3M | $96.1M | $1.6M | 0.27% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.71% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -3.2% | 6.3% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 70,340 |
Loan mix (Q1 2026): real estate $267.3M · commercial $257.1M · consumer $426.3M · securities $148.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 73.0% | 93th |
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.