| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +4.8% | +9.8 pts |
| Share growth (YoY) | +17.0% | +4.3% | +12.7 pts |
| Loan growth (YoY) | +12.1% | +4.3% | +7.8 pts |
| ROA | 0.53% | 0.62% | -0.1 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $818.4M | $726.0M | $627.2M | $71.0M | $1.1M | 0.53% | 2.78% | 1.00% | 150,078 |
| Q4 2025 | $801.7M | $711.6M | $610.4M | $70.4M | $6.0M | 0.74% | 2.71% | 1.60% | 145,199 |
| Q3 2025 | $770.4M | $678.0M | $589.6M | $69.3M | $4.8M | 0.83% | 2.77% | 0.42% | 125,015 |
| Q2 2025 | $734.9M | $639.7M | $590.1M | $68.1M | $3.7M | 1.01% | 2.84% | 0.37% | 102,572 |
| Q1 2025 | $714.3M | $620.4M | $559.4M | $65.1M | $654K | 0.37% | 2.81% | 0.32% | 91,156 |
| Q4 2024 | $688.8M | $589.3M | $536.0M | $64.9M | $3.4M | 0.50% | 2.58% | 0.29% | 80,912 |
| Q3 2024 | $647.9M | $552.4M | $506.3M | $64.5M | $2.9M | 0.61% | 2.77% | 0.17% | 69,467 |
| Q2 2024 | $654.5M | $577.9M | $471.7M | $62.7M | $1.2M | 0.36% | 2.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.62% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 71,032 |
Loan mix (Q1 2026): real estate $101.8M · commercial $378.7M · consumer $139.4M · securities $63.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.3% | 53th |
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.