| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.4% | +5.1% | +29.3 pts |
| Share growth (YoY) | +32.5% | +4.9% | +27.6 pts |
| Loan growth (YoY) | +26.8% | +5.4% | +21.4 pts |
| ROA | 0.47% | 0.71% | -0.2 pts |
| ROE | 4.8% | 6.3% | -1.5 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.81B | $3.39B | $2.14B | $374.0M | $4.5M | 0.47% | 3.39% | 1.10% | 257,388 |
| Q4 2025 | $3.80B | $3.39B | $2.18B | $369.5M | $14.6M | 0.39% | 2.59% | 1.16% | 257,389 |
| Q3 2025 | $2.98B | $2.67B | $1.65B | $295.2M | $17.7M | 0.79% | 2.91% | 0.74% | 193,663 |
| Q2 2025 | $2.93B | $2.61B | $1.67B | $301.7M | $13.6M | 0.93% | 2.91% | 0.71% | 191,697 |
| Q1 2025 | $2.83B | $2.56B | $1.69B | $299.1M | $11.0M | 1.55% | 2.91% | 0.71% | 190,162 |
| Q4 2024 | $2.73B | $2.42B | $1.85B | $288.1M | $17.3M | 0.63% | 3.26% | 0.82% | 187,897 |
| Q3 2024 | $2.67B | $2.38B | $1.86B | $292.8M | $22.0M | 1.10% | 3.40% | 0.80% | 185,450 |
| Q2 2024 | $2.94B | $2.40B | $1.91B | $295.8M | $14.7M | 1.00% | 3.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.71% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 6.3% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 182,495 |
Loan mix (Q1 2026): real estate $688.9M · commercial $264.4M · consumer $1.17B · securities $1.15B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 73.0% | 82th |
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.