| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.1% | -1.6 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +3.5% | +5.4% | -1.9 pts |
| ROA | 0.81% | 0.71% | +0.1 pts |
| ROE | 6.0% | 6.3% | -0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.19B | $1.04B | $604.4M | $162.4M | $2.4M | 0.81% | 2.31% | 0.13% | 32,884 |
| Q4 2025 | $1.12B | $962.2M | $609.9M | $159.9M | $10.2M | 0.91% | 2.34% | 0.11% | 32,890 |
| Q3 2025 | $1.11B | $959.1M | $605.9M | $157.9M | $7.9M | 0.95% | 2.35% | 0.09% | 32,867 |
| Q2 2025 | $1.10B | $959.7M | $603.9M | $155.4M | $5.4M | 0.97% | 2.36% | 0.13% | 32,615 |
| Q1 2025 | $1.15B | $1.01B | $583.8M | $152.4M | $2.4M | 0.83% | 2.18% | 0.10% | 32,367 |
| Q4 2024 | $1.04B | $902.6M | $588.0M | $150.0M | $11.6M | 1.11% | 2.32% | 0.05% | 32,218 |
| Q3 2024 | $1.03B | $897.8M | $579.4M | $148.2M | $9.5M | 1.23% | 2.36% | 0.12% | 32,122 |
| Q2 2024 | $1.04B | $907.4M | $573.2M | $145.9M | $7.2M | 1.39% | 2.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.71% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.3% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 32,090 |
Loan mix (Q1 2026): real estate $409.7M · commercial $0 · consumer $165.0M · securities $396.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 73.0% | 31th |
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.