| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.1% | +0.1 pts |
| Share growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +2.9% | +5.4% | -2.5 pts |
| ROA | 0.30% | 0.71% | -0.4 pts |
| ROE | 3.3% | 6.3% | -3.0 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.50B | $1.32B | $1.19B | $135.2M | $1.1M | 0.30% | 3.18% | 0.48% | 96,998 |
| Q4 2025 | $1.47B | $1.28B | $1.17B | $134.1M | $10.6M | 0.72% | 3.61% | 0.72% | 98,055 |
| Q3 2025 | $1.43B | $1.24B | $1.16B | $132.1M | $8.6M | 0.80% | 3.71% | 0.74% | 106,634 |
| Q2 2025 | $1.41B | $1.23B | $1.17B | $129.4M | $5.0M | 0.71% | 3.69% | 0.63% | 106,634 |
| Q1 2025 | $1.42B | $1.25B | $1.15B | $125.8M | $1.4M | 0.38% | 3.58% | 0.70% | 110,252 |
| Q4 2024 | $1.38B | $1.19B | $1.13B | $125.3M | $7.6M | 0.55% | 3.64% | 0.87% | 108,705 |
| Q3 2024 | $1.38B | $1.19B | $1.09B | $123.9M | $6.2M | 0.60% | 3.59% | 0.69% | 107,391 |
| Q2 2024 | $1.38B | $1.20B | $1.13B | $121.2M | $3.5M | 0.50% | 3.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.71% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 6.3% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 106,085 |
Loan mix (Q1 2026): real estate $571.5M · commercial $0 · consumer $566.3M · securities $92.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 73.0% | 88th |
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.