| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.1% | +0.2 pts |
| Share growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Loan growth (YoY) | +6.9% | +5.4% | +1.4 pts |
| ROA | 1.43% | 0.71% | +0.7 pts |
| ROE | 12.6% | 6.3% | +6.3 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.57B | $2.19B | $2.01B | $291.4M | $9.2M | 1.43% | 3.42% | 0.52% | 185,077 |
| Q4 2025 | $2.48B | $2.10B | $1.99B | $282.2M | $17.1M | 0.69% | 3.55% | 1.13% | 183,472 |
| Q3 2025 | $2.41B | $2.05B | $1.95B | $277.8M | $12.6M | 0.70% | 3.60% | 0.98% | 180,690 |
| Q2 2025 | $2.42B | $2.07B | $1.93B | $273.2M | $8.1M | 0.67% | 3.49% | 0.65% | 179,945 |
| Q1 2025 | $2.44B | $2.09B | $1.88B | $268.6M | $3.4M | 0.56% | 3.34% | 0.52% | 177,971 |
| Q4 2024 | $2.36B | $1.99B | $1.83B | $265.2M | $17.1M | 0.72% | 3.51% | 0.61% | 176,425 |
| Q3 2024 | $2.32B | $1.93B | $1.84B | $261.4M | $13.2M | 0.76% | 3.55% | 0.55% | 178,929 |
| Q2 2024 | $2.28B | $1.91B | $1.83B | $256.4M | $8.2M | 0.72% | 3.56% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.71% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 6.3% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 178,089 |
Loan mix (Q1 2026): real estate $871.2M · commercial $523.2M · consumer $609.5M · securities $143.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 73.0% | 60th |
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.