| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.5% | +5.1% | +15.4 pts |
| Share growth (YoY) | +21.5% | +4.9% | +16.7 pts |
| Loan growth (YoY) | +17.7% | +5.4% | +12.3 pts |
| ROA | 0.57% | 0.71% | -0.1 pts |
| ROE | 5.9% | 6.3% | -0.4 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.11B | $981.0M | $794.0M | $108.7M | $1.6M | 0.57% | 2.99% | 0.22% | 61,556 |
| Q4 2025 | $1.09B | $961.2M | $785.2M | $107.7M | $6.3M | 0.57% | 2.68% | 0.31% | 61,650 |
| Q3 2025 | $1.06B | $927.5M | $779.1M | $106.6M | $4.5M | 0.56% | 2.62% | 0.29% | 61,822 |
| Q2 2025 | $933.7M | $815.6M | $696.7M | $96.6M | $2.8M | 0.61% | 2.75% | 0.33% | 55,338 |
| Q1 2025 | $924.0M | $807.2M | $674.5M | $95.0M | $1.2M | 0.51% | 2.68% | 0.33% | 55,447 |
| Q4 2024 | $901.3M | $785.7M | $659.6M | $93.8M | $6.8M | 0.75% | 2.70% | 0.31% | 55,686 |
| Q3 2024 | $876.1M | $760.9M | $639.1M | $93.2M | $5.6M | 0.85% | 2.75% | 0.25% | 56,013 |
| Q2 2024 | $852.5M | $741.0M | $614.1M | $90.7M | $3.1M | 0.72% | 2.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.71% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.3% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 56,167 |
Loan mix (Q1 2026): real estate $355.9M · commercial $171.6M · consumer $190.1M · securities $142.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 73.0% | 88th |
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% |
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