| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +4.8% | -13.5 pts |
| Share growth (YoY) | -6.9% | +4.3% | -11.2 pts |
| Loan growth (YoY) | -6.9% | +4.3% | -11.2 pts |
| ROA | 0.18% | 0.62% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $875.8M | $731.1M | $620.4M | $65.6M | $400K | 0.18% | 2.67% | 1.16% | 52,872 |
| Q4 2025 | $881.9M | $721.3M | $610.3M | $65.2M | $-2.4M | -0.27% | 2.82% | 1.35% | 51,902 |
| Q3 2025 | $918.0M | $727.5M | $618.1M | $68.1M | $-3.1M | -0.45% | 2.71% | 1.22% | 63,146 |
| Q2 2025 | $928.4M | $729.5M | $634.4M | $67.0M | $-4.3M | -0.92% | 2.65% | 1.30% | 60,564 |
| Q1 2025 | $960.1M | $785.2M | $666.1M | $72.7M | $-3.4M | -1.40% | 2.48% | 1.54% | 61,369 |
| Q4 2024 | $1.00B | $810.6M | $670.5M | $76.1M | $2.5M | 0.24% | 2.64% | 1.88% | 66,581 |
| Q3 2024 | $1.00B | $748.0M | $703.4M | $77.5M | $161K | 0.02% | 2.60% | 1.43% | 62,677 |
| Q2 2024 | $1.01B | $856.7M | $723.8M | $76.4M | $-887K | -0.18% | 2.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.62% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.28% |
| 62,414 |
Loan mix (Q1 2026): real estate $212.7M · commercial $136.5M · consumer $255.8M · securities $97.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 78.3% | 87th |
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.