| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +4.8% | -6.3 pts |
| Share growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | -0.6% | +4.3% | -4.9 pts |
| ROA | -0.01% | 0.62% | -0.6 pts |
| ROE | -0.2% | 5.9% | -6.1 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $746.5M | $725.4M | $397.9M | $51.5M | $-23K | -0.01% | 3.20% | 0.48% | 33,009 |
| Q4 2025 | $745.0M | $713.3M | $401.7M | $51.5M | $-2.2M | -0.30% | 3.10% | 0.64% | 32,947 |
| Q3 2025 | $749.7M | $717.9M | $402.3M | $53.6M | $-639K | -0.11% | 3.04% | 0.53% | 33,783 |
| Q2 2025 | $751.3M | $717.1M | $401.2M | $53.7M | $-498K | -0.13% | 2.99% | 0.48% | 33,729 |
| Q1 2025 | $758.1M | $712.2M | $400.3M | $53.9M | $-333K | -0.18% | 2.89% | 0.50% | 33,618 |
| Q4 2024 | $754.0M | $681.3M | $406.3M | $54.2M | $-3.5M | -0.46% | 2.94% | 0.69% | 34,968 |
| Q3 2024 | $771.4M | $681.2M | $408.8M | $57.4M | $-768K | -0.13% | 2.87% | 0.59% | 35,091 |
| Q2 2024 | $761.1M | $685.1M | $407.5M | $58.1M | $-91K | -0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.62% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.92% |
| 0.61% |
| 34,995 |
Loan mix (Q1 2026): real estate $199.0M · commercial $0 · consumer $196.3M · securities $227.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 78.3% | 93th |
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.