| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.1% | -1.1 pts |
| Share growth (YoY) | +4.8% | +4.9% | -0.0 pts |
| Loan growth (YoY) | +6.2% | +5.4% | +0.7 pts |
| ROA | 0.59% | 0.71% | -0.1 pts |
| ROE | 6.1% | 6.3% | -0.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.14B | $1.84B | $1.76B | $206.7M | $3.2M | 0.59% | 3.17% | 0.85% | 115,569 |
| Q4 2025 | $2.11B | $1.81B | $1.80B | $203.5M | $10.9M | 0.52% | 3.10% | 0.82% | 116,466 |
| Q3 2025 | $2.08B | $1.79B | $1.73B | $201.7M | $7.2M | 0.46% | 3.08% | 0.54% | 118,336 |
| Q2 2025 | $2.06B | $1.76B | $1.70B | $198.8M | $4.2M | 0.41% | 3.04% | 0.69% | 131,771 |
| Q1 2025 | $2.06B | $1.76B | $1.66B | $196.6M | $2.0M | 0.39% | 2.96% | 0.83% | 130,301 |
| Q4 2024 | $2.02B | $1.71B | $1.66B | $194.6M | $9.9M | 0.49% | 3.06% | 1.09% | 128,888 |
| Q3 2024 | $1.99B | $1.67B | $1.69B | $195.2M | $8.4M | 0.56% | 3.08% | 0.57% | 129,518 |
| Q2 2024 | $1.95B | $1.69B | $1.62B | $193.5M | $6.7M | 0.69% | 3.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.71% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.3% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 127,161 |
Loan mix (Q1 2026): real estate $452.3M · commercial $540.1M · consumer $714.3M · securities $163.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 73.0% | 57th |
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.