| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +5.8% | +5.4% | +0.3 pts |
| ROA | 1.64% | 0.71% | +0.9 pts |
| ROE | 13.2% | 6.3% | +6.9 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.09B | $2.57B | $2.75B | $385.0M | $12.7M | 1.64% | 3.74% | 0.45% | 158,923 |
| Q4 2025 | $3.05B | $2.53B | $2.71B | $372.3M | $46.6M | 1.53% | 3.59% | 0.61% | 158,255 |
| Q3 2025 | $3.01B | $2.51B | $2.66B | $361.9M | $33.5M | 1.48% | 3.56% | 0.64% | 157,770 |
| Q2 2025 | $3.01B | $2.48B | $2.63B | $350.0M | $21.7M | 1.44% | 3.47% | 0.63% | 157,143 |
| Q1 2025 | $3.01B | $2.50B | $2.60B | $337.5M | $9.2M | 1.22% | 3.41% | 0.46% | 157,353 |
| Q4 2024 | $2.94B | $2.42B | $2.59B | $328.4M | $28.9M | 0.98% | 3.04% | 0.66% | 156,843 |
| Q3 2024 | $2.94B | $2.39B | $2.58B | $321.2M | $19.0M | 0.86% | 2.90% | 0.69% | 155,058 |
| Q2 2024 | $2.84B | $2.37B | $2.56B | $312.9M | $10.7M | 0.75% | 2.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.71% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 6.3% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 152,095 |
Loan mix (Q1 2026): real estate $1.46B · commercial $407.9M · consumer $777.0M · securities $87.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 73.0% | 14th |
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.