| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.1% | +2.9 pts |
| Share growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Loan growth (YoY) | +9.5% | +5.4% | +4.0 pts |
| ROA | 0.74% | 0.71% | +0.0 pts |
| ROE | 6.3% | 6.3% | -0.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.89B | $3.43B | $2.07B | $458.9M | $7.2M | 0.74% | 3.06% | 0.33% | 178,809 |
| Q4 2025 | $3.79B | $3.33B | $2.03B | $451.7M | $31.4M | 0.83% | 2.92% | 0.39% | 176,643 |
| Q3 2025 | $3.71B | $3.27B | $2.01B | $444.3M | $24.0M | 0.86% | 2.95% | 0.41% | 178,151 |
| Q2 2025 | $3.65B | $3.22B | $1.98B | $433.1M | $12.8M | 0.70% | 2.94% | 0.34% | 176,071 |
| Q1 2025 | $3.60B | $3.19B | $1.89B | $426.6M | $6.3M | 0.70% | 2.92% | 0.28% | 173,273 |
| Q4 2024 | $3.42B | $3.03B | $1.86B | $420.3M | $28.7M | 0.84% | 2.92% | 0.23% | 170,495 |
| Q3 2024 | $3.36B | $2.97B | $1.86B | $413.8M | $22.1M | 0.88% | 2.94% | 0.27% | 170,199 |
| Q2 2024 | $3.29B | $2.92B | $1.84B | $407.2M | $15.6M | 0.95% | 2.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.71% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.3% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 168,821 |
Loan mix (Q1 2026): real estate $680.3M · commercial $800.4M · consumer $571.0M · securities $930.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 73.0% | 76th |
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.