| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.1% | +1.3 pts |
| Share growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +14.4% | +5.4% | +9.0 pts |
| ROA | 1.50% | 0.71% | +0.8 pts |
| ROE | 7.8% | 6.3% | +1.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.51B | $1.22B | $783.2M | $289.2M | $5.6M | 1.50% | 3.35% | 0.31% | 119,460 |
| Q4 2025 | $1.47B | $1.19B | $758.3M | $283.6M | $26.5M | 1.81% | 3.46% | 0.46% | 119,071 |
| Q3 2025 | $1.44B | $1.17B | $717.5M | $279.8M | $22.1M | 2.05% | 3.52% | 0.52% | 118,997 |
| Q2 2025 | $1.42B | $1.16B | $703.9M | $272.8M | $15.1M | 2.12% | 3.50% | 0.52% | 118,918 |
| Q1 2025 | $1.42B | $1.16B | $684.3M | $266.9M | $9.2M | 2.59% | 3.35% | 0.38% | 118,288 |
| Q4 2024 | $1.36B | $1.12B | $684.5M | $257.7M | $24.2M | 1.77% | 3.39% | 0.55% | 118,213 |
| Q3 2024 | $1.34B | $1.11B | $682.0M | $252.5M | $18.3M | 1.81% | 3.42% | 0.32% | 118,588 |
| Q2 2024 | $1.33B | $1.10B | $674.6M | $247.1M | $12.9M | 1.93% | 3.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.71% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.3% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 118,939 |
Loan mix (Q1 2026): real estate $271.5M · commercial $290K · consumer $502.5M · securities $254.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 73.0% | 20th |
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.