| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.1% | +0.9 pts |
| Share growth (YoY) | +4.2% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +4.8% | +5.4% | -0.6 pts |
| ROA | 0.51% | 0.71% | -0.2 pts |
| ROE | 6.1% | 6.3% | -0.1 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.24B | $1.85B | $1.86B | $187.5M | $2.9M | 0.51% | 3.48% | 0.94% | 143,848 |
| Q4 2025 | $2.17B | $1.81B | $1.81B | $184.6M | $12.4M | 0.57% | 3.60% | 1.22% | 142,466 |
| Q3 2025 | $2.13B | $1.77B | $1.78B | $184.5M | $8.0M | 0.50% | 3.64% | 1.40% | 142,898 |
| Q2 2025 | $2.14B | $1.69B | $1.78B | $181.6M | $5.2M | 0.48% | 3.58% | 1.34% | 141,246 |
| Q1 2025 | $2.12B | $1.77B | $1.77B | $178.7M | $2.2M | 0.42% | 3.55% | 1.54% | 138,875 |
| Q4 2024 | $2.13B | $1.80B | $1.78B | $176.5M | $-10.5M | -0.49% | 3.36% | 1.75% | 141,787 |
| Q3 2024 | $2.09B | $1.80B | $1.73B | $185.2M | $3.8M | 0.24% | 3.36% | 1.57% | 142,339 |
| Q2 2024 | $2.08B | $1.71B | $1.71B | $185.5M | $4.1M | 0.39% | 3.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.71% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.3% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.46% |
| 140,504 |
Loan mix (Q1 2026): real estate $603.4M · commercial $94.7M · consumer $885.1M · securities $110.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 73.0% | 50th |
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.