| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.1% | -3.9 pts |
| Share growth (YoY) | +0.1% | +4.9% | -4.8 pts |
| Loan growth (YoY) | +6.8% | +5.4% | +1.3 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 3.4% | 6.3% | -2.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.51B | $1.26B | $788.1M | $235.1M | $2.0M | 0.53% | 2.28% | 1.04% | 64,013 |
| Q4 2025 | $1.50B | $1.25B | $782.7M | $233.1M | $5.7M | 0.38% | 2.17% | 1.09% | 64,606 |
| Q3 2025 | $1.49B | $1.25B | $757.4M | $232.5M | $3.7M | 0.33% | 2.17% | 1.12% | 64,428 |
| Q2 2025 | $1.48B | $1.25B | $743.4M | $231.0M | $2.2M | 0.30% | 2.12% | 0.44% | 64,294 |
| Q1 2025 | $1.49B | $1.26B | $738.1M | $229.2M | $481K | 0.13% | 2.05% | 0.37% | 63,997 |
| Q4 2024 | $1.30B | $1.10B | $673.9M | $216.4M | $107K | 0.01% | 1.64% | 0.54% | 49,980 |
| Q3 2024 | $1.31B | $1.09B | $669.4M | $218.2M | $458K | 0.05% | 1.63% | 0.44% | 49,930 |
| Q2 2024 | $1.31B | $1.11B | $666.0M | $218.1M | $339K | 0.05% | 1.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 6.3% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 49,711 |
Loan mix (Q1 2026): real estate $424.8M · commercial $232.1M · consumer $109.4M · securities $629.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 73.0% | 63th |
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.