| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.8% | +0.1 pts |
| Share growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| ROA | 0.73% | 0.62% | +0.1 pts |
| ROE | 7.2% | 5.9% | +1.2 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $938.3M | $845.5M | $665.8M | $95.6M | $1.7M | 0.73% | 3.33% | 0.34% | 44,062 |
| Q4 2025 | $925.7M | $835.1M | $664.4M | $93.9M | $5.7M | 0.62% | 3.21% | 0.24% | 43,848 |
| Q3 2025 | $895.5M | $806.5M | $663.4M | $92.7M | $4.1M | 0.61% | 3.25% | 0.24% | 43,824 |
| Q2 2025 | $886.2M | $802.2M | $667.7M | $89.5M | $2.7M | 0.60% | 3.20% | 0.42% | 43,129 |
| Q1 2025 | $894.6M | $813.8M | $656.1M | $87.8M | $1.0M | 0.45% | 3.05% | 0.42% | 43,180 |
| Q4 2024 | $878.7M | $799.9M | $651.2M | $86.8M | $2.4M | 0.27% | 2.96% | 0.46% | 44,006 |
| Q3 2024 | $876.3M | $784.9M | $648.7M | $86.5M | $1.6M | 0.24% | 2.93% | 0.55% | 44,154 |
| Q2 2024 | $888.3M | $792.0M | $644.2M | $86.3M | $1.4M | 0.31% | 2.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.62% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 44,065 |
Loan mix (Q1 2026): real estate $241.8M · commercial $62.3M · consumer $336.4M · securities $112.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 78.3% | 60th |
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.