| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.1% | +1.9 pts |
| Share growth (YoY) | +8.1% | +4.9% | +3.3 pts |
| Loan growth (YoY) | +7.8% | +5.4% | +2.4 pts |
| ROA | 0.52% | 0.71% | -0.2 pts |
| ROE | 5.1% | 6.3% | -1.2 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.39B | $2.09B | $1.75B | $246.2M | $3.1M | 0.52% | 3.11% | 0.66% | 116,769 |
| Q4 2025 | $2.21B | $1.94B | $1.63B | $231.2M | $8.7M | 0.39% | 3.05% | 0.50% | 113,517 |
| Q3 2025 | $2.19B | $1.89B | $1.63B | $228.6M | $6.0M | 0.37% | 3.06% | 0.62% | 115,027 |
| Q2 2025 | $2.21B | $1.90B | $1.62B | $226.0M | $3.5M | 0.32% | 3.02% | 0.56% | 115,464 |
| Q1 2025 | $2.24B | $1.94B | $1.62B | $224.1M | $1.5M | 0.27% | 2.95% | 0.47% | 114,881 |
| Q4 2024 | $2.21B | $1.90B | $1.61B | $221.7M | $7.2M | 0.33% | 3.09% | 0.67% | 114,515 |
| Q3 2024 | $2.19B | $1.88B | $1.58B | $220.9M | $6.5M | 0.39% | 3.16% | 0.61% | 116,084 |
| Q2 2024 | $2.21B | $1.93B | $1.56B | $219.1M | $4.6M | 0.42% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.71% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 6.3% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 116,583 |
Loan mix (Q1 2026): real estate $1.22B · commercial $225.0M · consumer $277.7M · securities $316.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 73.0% | 88th |
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.