| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.8% | -5.0 pts |
| Share growth (YoY) | -2.0% | +4.3% | -6.3 pts |
| Loan growth (YoY) | -0.1% | +4.3% | -4.4 pts |
| ROA | 1.63% | 0.62% | +1.0 pts |
| ROE | 14.2% | 5.9% | +8.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $521.3M | $454.9M | $360.0M | $60.2M | $2.1M | 1.63% | 3.43% | 1.32% | 40,489 |
| Q4 2025 | $521.1M | $457.1M | $359.4M | $58.1M | $4.6M | 0.89% | 3.46% | 1.63% | 41,557 |
| Q3 2025 | $517.5M | $456.1M | $367.7M | $56.7M | $3.3M | 0.85% | 3.44% | 1.44% | 42,309 |
| Q2 2025 | $523.8M | $463.1M | $365.8M | $56.3M | $2.9M | 1.10% | 3.35% | 1.43% | 42,037 |
| Q1 2025 | $522.4M | $464.1M | $360.2M | $54.9M | $1.4M | 1.10% | 3.19% | 1.08% | 42,786 |
| Q4 2024 | $506.9M | $451.2M | $348.8M | $53.4M | $3.8M | 0.75% | 3.32% | 1.13% | 42,473 |
| Q3 2024 | $502.4M | $449.0M | $341.6M | $50.8M | $1.1M | 0.30% | 3.30% | 1.25% | 42,047 |
| Q2 2024 | $500.1M | $444.9M | $346.0M | $51.4M | $1.7M | 0.68% | 3.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.62% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 41,702 |
Loan mix (Q1 2026): real estate $53.3M · commercial $0 · consumer $298.3M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 78.3% | 49th |
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.