| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.1% | -3.6 pts |
| Share growth (YoY) | +0.3% | +4.9% | -4.5 pts |
| Loan growth (YoY) | +2.7% | +5.4% | -2.8 pts |
| ROA | 0.33% | 0.71% | -0.4 pts |
| ROE | 2.5% | 6.3% | -3.8 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.47B | $3.06B | $2.34B | $466.4M | $2.9M | 0.33% | 3.32% | 0.24% | 212,497 |
| Q4 2025 | $3.40B | $2.99B | $2.30B | $466.6M | $26.1M | 0.77% | 3.31% | 0.26% | 210,042 |
| Q3 2025 | $3.36B | $2.96B | $2.26B | $461.5M | $21.1M | 0.84% | 3.30% | 0.12% | 208,804 |
| Q2 2025 | $3.35B | $2.98B | $2.28B | $450.8M | $10.4M | 0.62% | 3.23% | 0.17% | 206,919 |
| Q1 2025 | $3.42B | $3.05B | $2.28B | $445.3M | $4.8M | 0.57% | 3.08% | 0.13% | 208,580 |
| Q4 2024 | $3.36B | $3.01B | $2.29B | $443.7M | $21.8M | 0.65% | 3.00% | 0.15% | 207,273 |
| Q3 2024 | $3.40B | $3.03B | $2.29B | $440.0M | $18.2M | 0.71% | 2.93% | 0.10% | 206,167 |
| Q2 2024 | $3.40B | $3.06B | $2.26B | $433.8M | $11.9M | 0.70% | 2.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.71% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 6.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 202,447 |
Loan mix (Q1 2026): real estate $1.06B · commercial $267.2M · consumer $941.8M · securities $585.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 73.0% | 98th |
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.