| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.8% | +0.3 pts |
| Share growth (YoY) | +3.0% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| ROA | 3.56% | 0.62% | +2.9 pts |
| ROE | 31.6% | 5.9% | +25.6 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $789.8M | $687.8M | $609.3M | $89.2M | $7.0M | 3.56% | 5.37% | 0.35% | 63,943 |
| Q4 2025 | $763.0M | $670.2M | $612.7M | $82.2M | $13.3M | 1.74% | 5.50% | 0.53% | 64,367 |
| Q3 2025 | $750.6M | $665.6M | $617.1M | $81.2M | $7.5M | 1.34% | 5.58% | 0.53% | 64,492 |
| Q2 2025 | $754.6M | $669.0M | $613.5M | $76.7M | $3.0M | 0.80% | 5.44% | 0.59% | 63,631 |
| Q1 2025 | $752.1M | $667.7M | $571.9M | $73.7M | $31K | 0.02% | 5.28% | 0.60% | 61,224 |
| Q4 2024 | $728.4M | $648.2M | $551.2M | $76.2M | $7.1M | 0.97% | 4.77% | 1.07% | 59,546 |
| Q3 2024 | $699.5M | $619.0M | $541.5M | $81.4M | $9.6M | 1.84% | 4.85% | 0.94% | 55,581 |
| Q2 2024 | $686.0M | $610.0M | $529.0M | $76.4M | $4.6M | 1.35% | 4.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.56% | 0.62% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 31.6% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.37% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.83% |
| 54,649 |
Loan mix (Q1 2026): real estate $42.5M · commercial $14.8M · consumer $529.6M · securities $169.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.2% | 78.3% | 0th |
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.