| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +5.1% | +4.7 pts |
| Share growth (YoY) | +9.8% | +4.9% | +4.9 pts |
| Loan growth (YoY) | +11.8% | +5.4% | +6.4 pts |
| ROA | 0.48% | 0.71% | -0.2 pts |
| ROE | 5.3% | 6.3% | -1.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.65B | $2.37B | $2.25B | $240.0M | $3.2M | 0.48% | 3.94% | 0.46% | 184,732 |
| Q4 2025 | $2.61B | $2.33B | $2.18B | $236.9M | $25.5M | 0.98% | 3.84% | 0.70% | 182,247 |
| Q3 2025 | $2.53B | $2.25B | $2.14B | $234.9M | $22.0M | 1.16% | 3.91% | 0.73% | 180,743 |
| Q2 2025 | $2.47B | $2.21B | $2.06B | $220.8M | $7.9M | 0.64% | 3.92% | 0.76% | 174,947 |
| Q1 2025 | $2.41B | $2.16B | $2.01B | $216.6M | $3.7M | 0.62% | 3.90% | 0.66% | 171,880 |
| Q4 2024 | $2.36B | $2.11B | $1.95B | $212.9M | $16.3M | 0.69% | 3.61% | 0.94% | 168,097 |
| Q3 2024 | $2.35B | $2.12B | $1.90B | $204.4M | $6.2M | 0.35% | 3.53% | 0.82% | 166,457 |
| Q2 2024 | $2.38B | $2.14B | $1.88B | $202.6M | $4.5M | 0.37% | 3.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.71% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 164,026 |
Loan mix (Q1 2026): real estate $711.8M · commercial $32.4M · consumer $1.32B · securities $115.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 73.0% | 57th |
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.