| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.1% | -4.6 pts |
| Share growth (YoY) | +0.2% | +4.9% | -4.6 pts |
| Loan growth (YoY) | -1.0% | +5.4% | -6.5 pts |
| ROA | -0.08% | 0.71% | -0.8 pts |
| ROE | -1.1% | 6.3% | -7.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.55B | $1.43B | $1.11B | $115.5M | $-306K | -0.08% | 2.65% | 1.51% | 53,088 |
| Q4 2025 | $1.52B | $1.40B | $1.13B | $115.8M | $1.5M | 0.10% | 2.73% | 1.62% | 52,801 |
| Q3 2025 | $1.50B | $1.38B | $1.12B | $117.5M | $2.6M | 0.23% | 2.76% | 1.43% | 52,773 |
| Q2 2025 | $1.51B | $1.40B | $1.12B | $116.3M | $1.4M | 0.19% | 2.72% | 1.24% | 52,488 |
| Q1 2025 | $1.54B | $1.42B | $1.12B | $116.0M | $1.1M | 0.28% | 2.62% | 0.87% | 52,521 |
| Q4 2024 | $1.53B | $1.41B | $1.14B | $114.9M | $-6.4M | -0.42% | 2.93% | 0.67% | 61,745 |
| Q3 2024 | $1.51B | $1.39B | $1.11B | $115.7M | $-6.2M | -0.55% | 3.04% | 0.62% | 62,058 |
| Q2 2024 | $1.57B | $1.45B | $1.16B | $122.3M | $415K | 0.05% | 2.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.71% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 6.3% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 62,128 |
Loan mix (Q1 2026): real estate $602.3M · commercial $143.7M · consumer $333.2M · securities $75.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 73.0% | 94th |
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.