| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +5.1% | -4.2 pts |
| Share growth (YoY) | -0.8% | +4.9% | -5.7 pts |
| Loan growth (YoY) | +0.6% | +5.4% | -4.9 pts |
| ROA | 0.57% | 0.71% | -0.1 pts |
| ROE | 4.1% | 6.3% | -2.1 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.55B | $2.15B | $1.76B | $352.4M | $3.6M | 0.57% | 2.16% | 0.37% | 95,564 |
| Q4 2025 | $2.55B | $2.16B | $1.77B | $348.7M | $12.9M | 0.50% | 2.05% | 0.50% | 94,794 |
| Q3 2025 | $2.54B | $2.16B | $1.77B | $344.7M | $8.9M | 0.47% | 2.01% | 0.42% | 94,184 |
| Q2 2025 | $2.54B | $2.17B | $1.76B | $343.4M | $6.4M | 0.50% | 1.96% | 0.41% | 93,017 |
| Q1 2025 | $2.52B | $2.17B | $1.75B | $340.0M | $2.9M | 0.47% | 1.90% | 0.42% | 94,239 |
| Q4 2024 | $2.52B | $2.09B | $1.73B | $337.0M | $15.2M | 0.61% | 1.74% | 0.64% | 93,391 |
| Q3 2024 | $2.51B | $2.00B | $1.70B | $334.0M | $12.2M | 0.65% | 1.70% | 0.54% | 92,839 |
| Q2 2024 | $2.47B | $1.98B | $1.67B | $334.6M | $11.7M | 0.94% | 1.70% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.71% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.16% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 91,961 |
Loan mix (Q1 2026): real estate $1.04B · commercial $126.7M · consumer $578.7M · securities $425.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 73.0% | 61th |
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.