| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +5.1% | -7.1 pts |
| Share growth (YoY) | -3.1% | +4.9% | -8.0 pts |
| Loan growth (YoY) | -2.3% | +5.4% | -7.8 pts |
| ROA | 1.04% | 0.71% | +0.3 pts |
| ROE | 7.9% | 6.3% | +1.6 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.92B | $1.63B | $951.3M | $253.0M | $5.0M | 1.04% | 3.02% | 0.28% | 103,332 |
| Q4 2025 | $1.89B | $1.60B | $968.5M | $248.0M | $21.8M | 1.15% | 2.68% | 0.34% | 102,768 |
| Q3 2025 | $1.89B | $1.62B | $982.2M | $245.1M | $17.9M | 1.27% | 2.86% | 0.19% | 111,093 |
| Q2 2025 | $1.94B | $1.65B | $961.3M | $238.9M | $11.7M | 1.21% | 2.70% | 0.25% | 110,194 |
| Q1 2025 | $1.96B | $1.69B | $973.8M | $230.9M | $3.7M | 0.76% | 2.60% | 0.22% | 111,126 |
| Q4 2024 | $1.89B | $1.65B | $999.0M | $227.1M | $18.7M | 0.99% | 2.08% | 0.26% | 115,197 |
| Q3 2024 | $1.92B | $1.64B | $1.01B | $232.4M | $23.0M | 1.59% | 2.51% | 0.19% | 114,598 |
| Q2 2024 | $1.91B | $1.59B | $1.00B | $228.4M | $19.1M | 2.00% | 2.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.71% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 6.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 113,829 |
Loan mix (Q1 2026): real estate $540.4M · commercial $0 · consumer $397.5M · securities $791.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 73.0% | 19th |
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.