| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.1% | +1.3 pts |
| Share growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +16.4% | +5.4% | +11.0 pts |
| ROA | 0.95% | 0.71% | +0.2 pts |
| ROE | 8.3% | 6.3% | +2.0 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.61B | $1.43B | $1.08B | $183.2M | $3.8M | 0.95% | 3.25% | 0.41% | 60,753 |
| Q4 2025 | $1.58B | $1.40B | $1.05B | $179.3M | $14.8M | 0.93% | 3.01% | 0.47% | 59,912 |
| Q3 2025 | $1.54B | $1.37B | $1.01B | $174.5M | $9.9M | 0.86% | 3.03% | 0.45% | 59,063 |
| Q2 2025 | $1.55B | $1.38B | $982.3M | $170.1M | $5.6M | 0.72% | 2.91% | 0.38% | 58,077 |
| Q1 2025 | $1.51B | $1.35B | $923.5M | $166.9M | $2.4M | 0.63% | 2.79% | 0.43% | 57,056 |
| Q4 2024 | $1.43B | $1.27B | $872.9M | $164.9M | $13.6M | 0.95% | 2.86% | 0.67% | 55,783 |
| Q3 2024 | $1.38B | $1.22B | $863.5M | $160.6M | $9.3M | 0.90% | 2.94% | 0.51% | 54,908 |
| Q2 2024 | $1.30B | $1.15B | $865.0M | $157.8M | $6.5M | 1.00% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.71% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 6.3% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 53,904 |
Loan mix (Q1 2026): real estate $359.2M · commercial $365.5M · consumer $344.3M · securities $232.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 73.0% | 39th |
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.