| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +3.9% | -8.6 pts |
| Share growth (YoY) | +0.9% | +3.3% | -2.4 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.7 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 3.7% | 5.9% | -2.3 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 | $400.1M | $361.3M | $310.9M | $36.0M | $332K | 0.33% | 4.28% | 0.99% | 26,781 |
| Q4 2025 | $409.7M | $361.1M | $312.1M | $35.6M | $4.1M | 1.00% | 4.14% | 0.99% | 26,648 |
| Q3 2025 | $408.4M | $370.9M | $311.4M | $34.7M | $2.7M | 0.90% | 4.05% | 0.82% | 26,632 |
| Q2 2025 | $415.5M | $363.7M | $311.6M | $33.6M | $1.6M | 0.77% | 3.93% | 0.97% | 26,482 |
| Q1 2025 | $419.7M | $358.0M | $310.0M | $33.1M | $1.1M | 1.04% | 3.86% | 0.63% | 26,530 |
| Q4 2024 | $430.0M | $361.6M | $313.4M | $32.0M | $271K | 0.06% | 3.34% | 0.90% | 26,415 |
| Q3 2024 | $427.9M | $371.5M | $317.2M | $32.4M | $286K | 0.09% | 3.30% | 0.98% | 26,337 |
| Q2 2024 | $429.7M | $368.1M | $321.9M | $32.1M | $-69K | -0.03% | 3.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 26,264 |
Loan mix (Q1 2026): real estate $149.6M · commercial $56.2M · consumer $94.6M · securities $50.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 78.7% | 68th |
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.