| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +32.6% | +5.1% | +27.5 pts |
| Share growth (YoY) | +34.3% | +4.9% | +29.5 pts |
| Loan growth (YoY) | +42.1% | +5.4% | +36.7 pts |
| ROA | 0.81% | 0.71% | +0.1 pts |
| ROE | 7.9% | 6.3% | +1.6 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.31B | $1.16B | $1.12B | $135.3M | $2.7M | 0.81% | 2.77% | 0.12% | 50,550 |
| Q4 2025 | $1.24B | $1.08B | $1.05B | $132.6M | $4.8M | 0.39% | 2.31% | 0.15% | 49,654 |
| Q3 2025 | $1.15B | $1.01B | $955.0M | $106.1M | $2.5M | 0.29% | 2.34% | 0.23% | 48,235 |
| Q2 2025 | $1.06B | $928.5M | $848.8M | $104.1M | $477K | 0.09% | 2.38% | 0.32% | 46,747 |
| Q1 2025 | $988.2M | $860.3M | $785.1M | $103.3M | $-300K | -0.12% | 2.50% | 0.09% | 44,655 |
| Q4 2024 | $1.00B | $864.7M | $783.7M | $103.6M | $1.9M | 0.19% | 2.31% | 0.41% | 43,410 |
| Q3 2024 | $995.1M | $853.7M | $800.5M | $103.8M | $1.8M | 0.24% | 2.43% | 0.18% | 43,410 |
| Q2 2024 | $1.00B | $850.8M | $808.8M | $103.4M | $1.4M | 0.27% | 2.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.71% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 6.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 43,102 |
Loan mix (Q1 2026): real estate $163.4M · commercial $464.3M · consumer $486.8M · securities $79.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 73.0% | 29th |
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.