| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.1% | -0.3 pts |
| Share growth (YoY) | +2.7% | +4.9% | -2.1 pts |
| Loan growth (YoY) | +0.7% | +5.4% | -4.7 pts |
| ROA | 0.45% | 0.71% | -0.3 pts |
| ROE | 5.5% | 6.3% | -0.7 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.29B | $2.93B | $2.68B | $267.4M | $3.7M | 0.45% | 3.64% | 1.19% | 260,806 |
| Q4 2025 | $3.23B | $2.85B | $2.73B | $263.7M | $13.2M | 0.41% | 3.59% | 1.16% | 265,212 |
| Q3 2025 | $3.20B | $2.79B | $2.75B | $263.4M | $8.6M | 0.36% | 3.56% | 1.23% | 270,071 |
| Q2 2025 | $3.14B | $2.80B | $2.69B | $259.2M | $4.4M | 0.28% | 3.57% | 1.31% | 270,071 |
| Q1 2025 | $3.14B | $2.85B | $2.66B | $257.2M | $2.4M | 0.31% | 3.53% | 1.31% | 270,071 |
| Q4 2024 | $3.07B | $2.77B | $2.61B | $254.8M | $14.8M | 0.48% | 3.52% | 1.67% | 264,886 |
| Q3 2024 | $2.98B | $2.69B | $2.43B | $256.0M | $11.5M | 0.52% | 3.59% | 1.32% | 256,747 |
| Q2 2024 | $2.96B | $2.67B | $2.32B | $253.3M | $8.8M | 0.60% | 3.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.71% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.3% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.52% |
| 246,478 |
Loan mix (Q1 2026): real estate $869.8M · commercial $65.0M · consumer $1.50B · securities $69.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 73.0% | 47th |
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.