| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +5.1% | +1.4 pts |
| Share growth (YoY) | +7.4% | +4.9% | +2.5 pts |
| Loan growth (YoY) | +10.8% | +5.4% | +5.3 pts |
| ROA | 1.08% | 0.71% | +0.4 pts |
| ROE | 11.0% | 6.3% | +4.7 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.72B | $3.26B | $2.84B | $365.9M | $10.0M | 1.08% | 3.96% | 1.71% | 214,593 |
| Q4 2025 | $3.65B | $3.23B | $2.81B | $355.9M | $36.4M | 1.00% | 3.74% | 1.87% | 212,184 |
| Q3 2025 | $3.59B | $3.18B | $2.77B | $347.0M | $27.5M | 1.02% | 3.70% | 1.45% | 209,048 |
| Q2 2025 | $3.57B | $3.11B | $2.69B | $341.0M | $16.4M | 0.92% | 3.59% | 1.24% | 203,956 |
| Q1 2025 | $3.49B | $3.04B | $2.56B | $332.9M | $8.4M | 0.96% | 3.50% | 1.25% | 197,797 |
| Q4 2024 | $3.35B | $2.92B | $2.53B | $324.5M | $29.1M | 0.87% | 3.35% | 1.36% | 193,402 |
| Q3 2024 | $3.32B | $2.87B | $2.49B | $320.9M | $22.9M | 0.92% | 3.32% | 1.05% | 191,014 |
| Q2 2024 | $3.28B | $2.85B | $2.50B | $316.3M | $16.0M | 0.97% | 3.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.71% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 6.3% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 188,302 |
Loan mix (Q1 2026): real estate $919.5M · commercial $137.7M · consumer $763.6M · securities $338.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 73.0% | 3th |
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.