| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.8% | +6.1 pts |
| Share growth (YoY) | +10.7% | +4.3% | +6.4 pts |
| Loan growth (YoY) | +9.8% | +4.3% | +5.5 pts |
| ROA | 0.62% | 0.62% | +0.0 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $856.9M | $721.5M | $669.6M | $97.5M | $1.3M | 0.62% | 3.26% | 0.24% | 38,665 |
| Q4 2025 | $840.1M | $704.5M | $658.2M | $96.2M | $8.4M | 1.00% | 3.18% | 0.30% | 38,444 |
| Q3 2025 | $825.5M | $692.2M | $653.9M | $94.9M | $6.4M | 1.03% | 3.16% | 0.32% | 38,132 |
| Q2 2025 | $802.0M | $670.6M | $641.2M | $92.9M | $4.4M | 1.10% | 3.21% | 0.31% | 38,124 |
| Q1 2025 | $773.1M | $651.7M | $609.9M | $89.4M | $875K | 0.45% | 3.21% | 0.28% | 38,189 |
| Q4 2024 | $748.8M | $623.9M | $590.9M | $88.5M | $8.2M | 1.09% | 3.05% | 0.39% | 38,083 |
| Q3 2024 | $735.0M | $610.2M | $575.0M | $87.8M | $6.7M | 1.21% | 3.06% | 0.40% | 38,181 |
| Q2 2024 | $737.0M | $611.4M | $562.1M | $85.9M | $4.7M | 1.28% | 3.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.62% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 37,989 |
Loan mix (Q1 2026): real estate $313.3M · commercial $227.5M · consumer $123.9M · securities $47.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.3% | 54th |
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.