| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.8% | -5.3 pts |
| Share growth (YoY) | +3.2% | +4.3% | -1.1 pts |
| Loan growth (YoY) | +0.7% | +4.3% | -3.7 pts |
| ROA | 0.38% | 0.62% | -0.2 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $712.5M | $641.6M | $543.4M | $66.7M | $684K | 0.38% | 3.53% | 0.98% | 51,124 |
| Q4 2025 | $703.5M | $626.8M | $543.9M | $66.0M | $3.0M | 0.43% | 3.40% | 0.92% | 50,733 |
| Q3 2025 | $703.7M | $623.3M | $546.3M | $65.5M | $2.3M | 0.43% | 3.35% | 0.88% | 51,515 |
| Q2 2025 | $705.1M | $623.3M | $538.8M | $64.3M | $1.0M | 0.29% | 3.26% | 0.94% | 50,895 |
| Q1 2025 | $716.2M | $621.9M | $539.9M | $63.2M | $8K | 0.00% | 3.11% | 0.99% | 50,473 |
| Q4 2024 | $696.8M | $599.6M | $549.8M | $63.2M | $1.7M | 0.24% | 3.06% | 1.11% | 50,008 |
| Q3 2024 | $707.1M | $594.4M | $551.4M | $62.7M | $902K | 0.17% | 2.95% | 0.85% | 50,876 |
| Q2 2024 | $700.5M | $591.3M | $544.7M | $62.4M | $616K | 0.18% | 2.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.62% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 50,219 |
Loan mix (Q1 2026): real estate $303.3M · commercial $51.4M · consumer $111.8M · securities $87.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 78.3% | 79th |
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.