| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.8% | -3.6 pts |
| Share growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +0.7% | +4.3% | -3.7 pts |
| ROA | 0.00% | 0.62% | -0.6 pts |
| ROE | 0.0% | 5.9% | -5.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $712.1M | $634.0M | $573.9M | $57.8M | $7K | 0.00% | 3.60% | 0.81% | 45,420 |
| Q4 2025 | $707.0M | $627.3M | $577.7M | $57.8M | $1.2M | 0.18% | 3.75% | 0.78% | 45,865 |
| Q3 2025 | $694.1M | $632.0M | $580.7M | $58.3M | $1.1M | 0.21% | 3.79% | 0.80% | 47,585 |
| Q2 2025 | $700.2M | $637.8M | $571.6M | $58.0M | $780K | 0.22% | 3.70% | 0.77% | 47,917 |
| Q1 2025 | $704.3M | $642.9M | $570.1M | $58.2M | $928K | 0.53% | 3.66% | 0.64% | 48,332 |
| Q4 2024 | $702.1M | $638.5M | $569.9M | $58.7M | $-2.5M | -0.36% | 3.48% | 0.67% | 48,675 |
| Q3 2024 | $700.4M | $636.0M | $563.2M | $59.5M | $-2.5M | -0.47% | 3.48% | 0.60% | 49,188 |
| Q2 2024 | $710.5M | $647.2M | $561.5M | $60.1M | $-1.8M | -0.51% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.62% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 49,582 |
Loan mix (Q1 2026): real estate $251.8M · commercial $111.7M · consumer $180.2M · securities $33.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 78.3% | 77th |
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.