| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.8% | -4.5 pts |
| Share growth (YoY) | -0.2% | +4.3% | -4.5 pts |
| Loan growth (YoY) | -3.1% | +4.3% | -7.5 pts |
| ROA | 0.19% | 0.62% | -0.4 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $530.4M | $463.5M | $329.5M | $57.4M | $256K | 0.19% | 3.90% | 0.27% | 43,450 |
| Q4 2025 | $516.5M | $451.1M | $333.7M | $57.5M | $366K | 0.07% | 3.81% | 0.55% | 43,222 |
| Q3 2025 | $516.0M | $450.8M | $334.7M | $57.3M | $7K | 0.00% | 3.78% | 0.64% | 40,916 |
| Q2 2025 | $524.7M | $459.6M | $338.2M | $57.4M | $24K | 0.01% | 3.68% | 0.88% | 43,339 |
| Q1 2025 | $528.9M | $464.4M | $340.1M | $57.2M | $-166K | -0.13% | 3.57% | 0.91% | 43,257 |
| Q4 2024 | $520.5M | $455.8M | $342.5M | $57.9M | $-299K | -0.06% | 3.28% | 1.02% | 43,834 |
| Q3 2024 | $549.0M | $454.1M | $341.3M | $58.2M | $-221K | -0.05% | 3.05% | 0.88% | 44,980 |
| Q2 2024 | $558.3M | $464.4M | $339.0M | $57.9M | $-288K | -0.10% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.62% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.02% |
| 45,948 |
Loan mix (Q1 2026): real estate $106.6M · commercial $0 · consumer $210.1M · securities $147.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 78.3% | 85th |
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.