| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +5.1% | -1.0 pts |
| Share growth (YoY) | +4.0% | +4.9% | -0.8 pts |
| Loan growth (YoY) | +0.8% | +5.4% | -4.7 pts |
| ROA | 0.13% | 0.71% | -0.6 pts |
| ROE | 1.4% | 6.3% | -4.9 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.81B | $1.61B | $1.35B | $176.7M | $602K | 0.13% | 2.98% | 0.40% | 106,662 |
| Q4 2025 | $1.74B | $1.52B | $1.38B | $176.1M | $5.7M | 0.33% | 3.10% | 0.60% | 106,216 |
| Q3 2025 | $1.71B | $1.51B | $1.38B | $173.3M | $2.9M | 0.23% | 3.10% | 0.53% | 106,458 |
| Q2 2025 | $1.71B | $1.52B | $1.37B | $172.2M | $1.8M | 0.21% | 3.03% | 0.39% | 106,416 |
| Q1 2025 | $1.74B | $1.54B | $1.34B | $171.0M | $567K | 0.13% | 2.90% | 0.36% | 105,823 |
| Q4 2024 | $1.72B | $1.50B | $1.33B | $170.4M | $2.2M | 0.12% | 2.82% | 0.58% | 105,388 |
| Q3 2024 | $1.72B | $1.50B | $1.35B | $169.0M | $820K | 0.06% | 2.78% | 0.35% | 106,004 |
| Q2 2024 | $1.74B | $1.51B | $1.32B | $168.4M | $144K | 0.02% | 2.69% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.71% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 6.3% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 105,700 |
Loan mix (Q1 2026): real estate $473.5M · commercial $304.6M · consumer $499.1M · securities $144.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 73.0% | 95th |
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.