| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.1% | +0.0 pts |
| Share growth (YoY) | +3.6% | +4.9% | -1.2 pts |
| Loan growth (YoY) | +2.2% | +5.4% | -3.2 pts |
| ROA | 1.68% | 0.71% | +1.0 pts |
| ROE | 10.3% | 6.3% | +4.1 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.08B | $893.7M | $768.6M | $176.2M | $4.6M | 1.68% | 4.46% | 0.44% | 71,346 |
| Q4 2025 | $1.06B | $880.1M | $778.3M | $171.6M | $20.2M | 1.90% | 4.54% | 0.67% | 71,078 |
| Q3 2025 | $1.05B | $869.5M | $789.3M | $165.9M | $14.4M | 1.84% | 4.54% | 0.59% | 71,966 |
| Q2 2025 | $1.03B | $862.1M | $767.4M | $160.5M | $9.0M | 1.74% | 4.54% | 0.52% | 71,662 |
| Q1 2025 | $1.03B | $862.3M | $752.1M | $156.3M | $4.6M | 1.78% | 4.43% | 0.62% | 71,272 |
| Q4 2024 | $1.01B | $850.8M | $734.9M | $151.7M | $19.0M | 1.88% | 4.43% | 0.57% | 70,864 |
| Q3 2024 | $1.00B | $846.0M | $717.5M | $146.6M | $13.8M | 1.84% | 4.42% | 0.51% | 70,741 |
| Q2 2024 | $996.5M | $845.6M | $720.9M | $141.4M | $8.7M | 1.74% | 4.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.71% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.3% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 70,591 |
Loan mix (Q1 2026): real estate $288.6M · commercial $131.4M · consumer $290.4M · securities $152.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 73.0% | 19th |
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.