| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.8% | -1.5 pts |
| Share growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| ROA | 1.12% | 0.62% | +0.5 pts |
| ROE | 12.9% | 5.9% | +6.9 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $642.2M | $568.9M | $474.3M | $56.2M | $1.8M | 1.12% | 2.65% | 1.34% | 33,759 |
| Q4 2025 | $626.8M | $551.6M | $474.6M | $54.4M | $4.6M | 0.74% | 2.62% | 0.48% | 33,500 |
| Q3 2025 | $625.0M | $541.9M | $460.7M | $53.4M | $3.6M | 0.78% | 2.58% | 0.33% | 33,375 |
| Q2 2025 | $619.1M | $531.7M | $456.2M | $51.8M | $2.0M | 0.63% | 2.50% | 1.84% | 33,370 |
| Q1 2025 | $622.1M | $536.0M | $454.5M | $50.9M | $1.0M | 0.65% | 2.39% | 0.46% | 33,333 |
| Q4 2024 | $604.2M | $512.1M | $460.7M | $49.9M | $1.5M | 0.25% | 2.25% | 1.95% | 33,284 |
| Q3 2024 | $609.4M | $503.6M | $460.0M | $49.7M | $1.3M | 0.27% | 2.17% | 2.69% | 33,248 |
| Q2 2024 | $607.3M | $498.4M | $460.8M | $49.1M | $706K | 0.23% | 2.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.62% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 33,376 |
Loan mix (Q1 2026): real estate $277.3M · commercial $116.7M · consumer $71.4M · securities $80.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 78.3% | 16th |
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.