| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +5.1% | -7.9 pts |
| Share growth (YoY) | -2.5% | +4.9% | -7.4 pts |
| Loan growth (YoY) | -0.2% | +5.4% | -5.7 pts |
| ROA | -0.23% | 0.71% | -0.9 pts |
| ROE | -3.0% | 6.3% | -9.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.35B | $1.17B | $980.3M | $102.1M | $-777K | -0.23% | 2.63% | 1.13% | 82,853 |
| Q4 2025 | $1.37B | $1.14B | $1.01B | $102.9M | $-15.5M | -1.13% | 2.50% | 1.39% | 83,551 |
| Q3 2025 | $1.36B | $1.16B | $978.2M | $117.0M | $-6.1M | -0.60% | 2.50% | 1.40% | 84,410 |
| Q2 2025 | $1.35B | $1.17B | $950.1M | $118.0M | $-5.1M | -0.76% | 2.48% | 1.93% | 84,923 |
| Q1 2025 | $1.39B | $1.20B | $982.5M | $119.5M | $-3.6M | -1.04% | 2.32% | 1.73% | 85,626 |
| Q4 2024 | $1.41B | $1.21B | $1.00B | $123.1M | $-11.1M | -0.78% | 2.29% | 1.86% | 86,428 |
| Q3 2024 | $1.50B | $1.23B | $1.04B | $130.2M | $-8.8M | -0.78% | 2.15% | 2.22% | 87,078 |
| Q2 2024 | $1.55B | $1.27B | $1.07B | $136.8M | $-6.7M | -0.86% | 2.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.71% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.0% | 6.3% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.97% |
| 90,513 |
Loan mix (Q1 2026): real estate $624.9M · commercial $5.7M · consumer $271.8M · securities $210.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.7% | 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.