| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Share growth (YoY) | +1.0% | +4.9% | -3.8 pts |
| Loan growth (YoY) | +16.1% | +5.4% | +10.6 pts |
| ROA | -0.17% | 0.71% | -0.9 pts |
| ROE | -1.7% | 6.3% | -8.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.51B | $1.87B | $1.98B | $251.8M | $-1.1M | -0.17% | 2.00% | 1.04% | 119,644 |
| Q4 2025 | $2.49B | $1.84B | $1.95B | $252.9M | $-8.9M | -0.36% | 1.91% | 1.21% | 119,582 |
| Q3 2025 | $2.46B | $1.85B | $1.88B | $264.9M | $-3.6M | -0.19% | 1.90% | 1.27% | 122,885 |
| Q2 2025 | $2.44B | $1.84B | $1.79B | $263.4M | $-5.1M | -0.42% | 1.85% | 1.46% | 122,979 |
| Q1 2025 | $2.44B | $1.85B | $1.71B | $265.3M | $-3.1M | -0.51% | 1.78% | 1.61% | 123,247 |
| Q4 2024 | $2.47B | $1.86B | $1.69B | $268.5M | $-77.8M | -3.15% | 1.50% | 1.84% | 123,161 |
| Q3 2024 | $2.57B | $1.87B | $1.71B | $337.1M | $-16.1M | -0.84% | 1.51% | 1.85% | 123,550 |
| Q2 2024 | $2.47B | $1.79B | $1.57B | $342.6M | $-10.6M | -0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.71% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 6.3% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.00% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.62% |
| 1.77% |
| 123,583 |
Loan mix (Q1 2026): real estate $1.32B · commercial $220.3M · consumer $244.8M · securities $222.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.0% | 73.0% | 99th |
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.