| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Share growth (YoY) | +0.5% | +4.9% | -4.4 pts |
| Loan growth (YoY) | -0.1% | +5.4% | -5.5 pts |
| ROA | -0.90% | 0.71% | -1.6 pts |
| ROE | -11.1% | 6.3% | -17.4 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.48B | $1.35B | $1.06B | $120.4M | $-3.4M | -0.90% | 3.70% | 6.63% | 98,947 |
| Q4 2025 | $1.45B | $1.32B | $1.07B | $123.8M | $-30.2M | -2.08% | 3.68% | 7.08% | 97,686 |
| Q3 2025 | $1.46B | $1.32B | $1.05B | $134.9M | $-20.0M | -1.82% | 3.60% | 7.26% | 97,106 |
| Q2 2025 | $1.48B | $1.34B | $1.05B | $134.4M | $-20.5M | -2.78% | 3.47% | 6.64% | 96,315 |
| Q1 2025 | $1.50B | $1.34B | $1.06B | $152.5M | $-2.4M | -0.63% | 3.29% | 7.15% | 95,955 |
| Q4 2024 | $1.48B | $1.32B | $1.07B | $156.9M | $-179K | -0.01% | 3.42% | 6.86% | 95,243 |
| Q3 2024 | $1.50B | $1.34B | $1.08B | $161.3M | $3.3M | 0.30% | 3.32% | 5.15% | 95,154 |
| Q2 2024 | $1.54B | $1.37B | $1.09B | $162.5M | $4.5M | 0.59% | 3.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.90% | 0.71% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -11.1% | 6.3% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 5.06% |
| 94,636 |
Loan mix (Q1 2026): real estate $194.7M · commercial $252.3M · consumer $583.6M · securities $226.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 73.0% | 98th |
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.