| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.1% | -4.4 pts |
| Share growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Loan growth (YoY) | +0.7% | +5.4% | -4.7 pts |
| ROA | 0.46% | 0.71% | -0.2 pts |
| ROE | 3.2% | 6.3% | -3.0 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.64B | $3.26B | $938.7M | $521.4M | $4.2M | 0.46% | 1.22% | 0.21% | 90,625 |
| Q4 2025 | $3.56B | $3.18B | $944.4M | $517.2M | $15.5M | 0.43% | 1.17% | 0.28% | 90,227 |
| Q3 2025 | $3.56B | $3.20B | $940.9M | $512.3M | $10.6M | 0.40% | 1.12% | 0.24% | 90,616 |
| Q2 2025 | $3.58B | $3.24B | $935.9M | $508.2M | $6.4M | 0.36% | 1.06% | 0.25% | 90,530 |
| Q1 2025 | $3.62B | $3.30B | $931.8M | $505.0M | $2.6M | 0.28% | 0.91% | 0.25% | 90,641 |
| Q4 2024 | $3.45B | $3.18B | $902.2M | $492.0M | $8.5M | 0.25% | 0.96% | 0.23% | 85,252 |
| Q3 2024 | $3.51B | $3.19B | $900.7M | $491.4M | $8.0M | 0.30% | 0.96% | 0.23% | 85,419 |
| Q2 2024 | $3.48B | $3.23B | $908.1M | $489.5M | $6.1M | 0.35% | 1.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.71% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 6.3% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 85,327 |
Loan mix (Q1 2026): real estate $652.9M · commercial $2.5M · consumer $259.8M · securities $2.09B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 73.0% | 27th |
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.