| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Share growth (YoY) | +3.5% | +4.9% | -1.3 pts |
| Loan growth (YoY) | -1.3% | +5.4% | -6.8 pts |
| ROA | 1.00% | 0.71% | +0.3 pts |
| ROE | 9.6% | 6.3% | +3.3 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.04B | $924.4M | $427.6M | $108.2M | $2.6M | 1.00% | 3.22% | 0.77% | 65,058 |
| Q4 2025 | $1.02B | $903.1M | $435.5M | $105.6M | $11.1M | 1.09% | 3.15% | 1.10% | 64,713 |
| Q3 2025 | $994.1M | $883.6M | $439.2M | $103.5M | $8.3M | 1.11% | 3.14% | 1.08% | 64,383 |
| Q2 2025 | $990.6M | $882.9M | $436.9M | $101.1M | $5.8M | 1.18% | 3.08% | 0.94% | 64,038 |
| Q1 2025 | $996.6M | $892.7M | $433.3M | $98.8M | $3.6M | 1.43% | 2.94% | 0.47% | 64,483 |
| Q4 2024 | $975.0M | $870.8M | $439.8M | $95.2M | $2.6M | 0.27% | 2.74% | 0.94% | 64,105 |
| Q3 2024 | $958.3M | $858.3M | $440.0M | $94.4M | $1.1M | 0.15% | 2.73% | 0.78% | 63,634 |
| Q2 2024 | $961.3M | $860.4M | $439.8M | $94.0M | $617K | 0.13% | 2.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.71% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 6.3% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 63,052 |
Loan mix (Q1 2026): real estate $191.6M · commercial $0 · consumer $230.0M · securities $338.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 73.0% | 21th |
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.