| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Share growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Loan growth (YoY) | +9.9% | +5.4% | +4.5 pts |
| ROA | 0.32% | 0.71% | -0.4 pts |
| ROE | 3.5% | 6.3% | -2.8 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.48B | $1.29B | $1.26B | $137.2M | $1.2M | 0.32% | 4.55% | 1.35% | 131,382 |
| Q4 2025 | $1.46B | $1.22B | $1.26B | $136.0M | $11.3M | 0.77% | 4.48% | 1.90% | 132,339 |
| Q3 2025 | $1.45B | $1.18B | $1.25B | $134.6M | $9.8M | 0.91% | 4.48% | 1.77% | 137,351 |
| Q2 2025 | $1.41B | $1.19B | $1.21B | $131.8M | $7.1M | 1.00% | 4.96% | 1.67% | 144,228 |
| Q1 2025 | $1.39B | $1.21B | $1.15B | $129.3M | $2.7M | 0.78% | 4.46% | 1.43% | 140,151 |
| Q4 2024 | $1.35B | $1.17B | $1.14B | $126.6M | $9.1M | 0.68% | 4.14% | 1.73% | 138,379 |
| Q3 2024 | $1.37B | $1.16B | $1.17B | $124.1M | $6.6M | 0.64% | 3.97% | 1.63% | 137,865 |
| Q2 2024 | $1.35B | $1.16B | $1.15B | $120.9M | $3.4M | 0.50% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.71% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.21% |
| 135,584 |
Loan mix (Q1 2026): real estate $554.6M · commercial $146.5M · consumer $510.6M · securities $80.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 73.0% | 20th |
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.