| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | +11.6% | +2.9% | +8.6 pts |
| ROA | 1.40% | 0.69% | +0.7 pts |
| ROE | 10.6% | 5.9% | +4.7 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $266.5M | $230.3M | $214.6M | $35.0M | $931K | 1.40% | 3.96% | 0.03% | 18,866 |
| Q4 2025 | $260.7M | $225.1M | $208.4M | $34.1M | $3.4M | 1.30% | 3.90% | 0.11% | 18,860 |
| Q3 2025 | $253.8M | $219.8M | $202.5M | $33.1M | $2.3M | 1.22% | 3.96% | 0.05% | 18,776 |
| Q2 2025 | $248.6M | $216.0M | $196.7M | $32.0M | $1.2M | 0.99% | 3.96% | 0.06% | 18,563 |
| Q1 2025 | $249.8M | $217.6M | $192.4M | $31.2M | $496K | 0.79% | 3.83% | 0.01% | 18,437 |
| Q4 2024 | $240.7M | $209.8M | $191.0M | $30.7M | $2.9M | 1.21% | 3.97% | 0.07% | 18,479 |
| Q3 2024 | $236.8M | $208.1M | $190.4M | $30.0M | $2.1M | 1.17% | 4.00% | 0.04% | 18,421 |
| Q2 2024 | $233.8M | $205.1M | $185.3M | $29.1M | $1.2M | 1.05% | 4.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Blue Eagle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 18,207 |
Loan mix (Q1 2026): real estate $93.4M · commercial $0 · consumer $110.9M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 78.7% | 23th |
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 | Blue Eagle Credit Union | 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 | Blue Eagle Credit Union | 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 | Blue Eagle Credit Union | 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 | Blue Eagle Credit Union | 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.