| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +5.1% | +4.1 pts |
| Share growth (YoY) | +9.3% | +4.9% | +4.4 pts |
| Loan growth (YoY) | +8.2% | +5.4% | +2.7 pts |
| ROA | 0.82% | 0.71% | +0.1 pts |
| ROE | 5.2% | 6.3% | -1.1 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.72B | $2.24B | $1.95B | $428.8M | $5.6M | 0.82% | 2.98% | 0.54% | 115,025 |
| Q4 2025 | $2.62B | $2.15B | $1.93B | $423.2M | $21.6M | 0.82% | 2.94% | 0.65% | 117,743 |
| Q3 2025 | $2.57B | $2.11B | $1.89B | $416.4M | $24.3M | 1.26% | 2.94% | 0.63% | 122,259 |
| Q2 2025 | $2.52B | $2.08B | $1.86B | $405.8M | $13.7M | 1.08% | 2.92% | 0.70% | 120,066 |
| Q1 2025 | $2.49B | $2.05B | $1.81B | $398.9M | $6.9M | 1.10% | 2.84% | 0.55% | 117,790 |
| Q4 2024 | $2.40B | $1.98B | $1.75B | $392.1M | $31.7M | 1.32% | 2.89% | 0.80% | 116,581 |
| Q3 2024 | $2.35B | $1.94B | $1.72B | $388.6M | $26.4M | 1.49% | 2.93% | 0.43% | 116,581 |
| Q2 2024 | $2.31B | $1.92B | $1.69B | $381.6M | $19.3M | 1.67% | 2.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.71% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.3% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 114,498 |
Loan mix (Q1 2026): real estate $853.9M · commercial $160.0M · consumer $901.4M · securities $316.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 73.0% | 12th |
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.