| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +5.1% | -7.1 pts |
| Share growth (YoY) | -3.0% | +4.9% | -7.8 pts |
| Loan growth (YoY) | -0.7% | +5.4% | -6.1 pts |
| ROA | 0.24% | 0.71% | -0.5 pts |
| ROE | 2.3% | 6.3% | -4.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.60B | $1.45B | $1.07B | $168.4M | $959K | 0.24% | 3.23% | 0.80% | 72,998 |
| Q4 2025 | $1.61B | $1.45B | $1.06B | $167.4M | $8.2M | 0.51% | 3.08% | 0.80% | 72,460 |
| Q3 2025 | $1.58B | $1.43B | $1.05B | $164.9M | $5.7M | 0.48% | 3.12% | 0.77% | 72,099 |
| Q2 2025 | $1.61B | $1.47B | $1.06B | $162.0M | $2.8M | 0.34% | 3.02% | 0.50% | 72,076 |
| Q1 2025 | $1.64B | $1.50B | $1.08B | $161.7M | $691K | 0.17% | 2.93% | 0.83% | 80,913 |
| Q4 2024 | $1.63B | $1.50B | $1.10B | $161.0M | $8.1M | 0.50% | 2.84% | 0.82% | 80,368 |
| Q3 2024 | $1.67B | $1.47B | $1.12B | $158.3M | $5.4M | 0.43% | 2.73% | 1.06% | 80,017 |
| Q2 2024 | $1.68B | $1.43B | $1.14B | $155.0M | $2.1M | 0.24% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.71% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.3% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 79,395 |
Loan mix (Q1 2026): real estate $853.8M · commercial $108.1M · consumer $89.2M · securities $350.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.1% | 73.0% | 99th |
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.