| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Share growth (YoY) | +3.3% | +4.9% | -1.6 pts |
| Loan growth (YoY) | +5.2% | +5.4% | -0.2 pts |
| ROA | -0.32% | 0.71% | -1.0 pts |
| ROE | -2.7% | 6.3% | -9.0 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 | $1.14B | $915.6M | $970.3M | $133.4M | $-913K | -0.32% | 4.08% | 0.67% | 47,393 |
| Q4 2025 | $1.13B | $891.8M | $947.9M | $134.3M | $3.3M | 0.30% | 4.00% | 0.75% | 48,127 |
| Q3 2025 | $1.09B | $879.7M | $916.6M | $136.2M | $2.9M | 0.35% | 4.07% | 0.78% | 50,628 |
| Q2 2025 | $1.10B | $875.8M | $912.8M | $134.8M | $1.5M | 0.28% | 4.02% | 0.65% | 55,048 |
| Q1 2025 | $1.11B | $886.8M | $922.2M | $134.0M | $780K | 0.28% | 3.97% | 0.65% | 55,201 |
| Q4 2024 | $1.10B | $871.7M | $937.3M | $133.3M | $1.6M | 0.15% | 3.73% | 0.99% | 55,060 |
| Q3 2024 | $1.09B | $866.2M | $895.2M | $131.5M | $-2.5M | -0.31% | 3.66% | 0.86% | 56,393 |
| Q2 2024 | $1.08B | $863.7M | $873.6M | $131.8M | $-2.2M | -0.41% | 3.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.32% | 0.71% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 6.3% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 55,940 |
Loan mix (Q1 2026): real estate $371.0M · commercial $317.4M · consumer $213.3M · securities $53.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 73.0% | 86th |
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.