| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.8% | +1.9 pts |
| Share growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +7.5% | +4.3% | +3.1 pts |
| ROA | 0.75% | 0.62% | +0.1 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $625.6M | $548.8M | $439.3M | $75.5M | $1.2M | 0.75% | 3.55% | 0.63% | 49,719 |
| Q4 2025 | $618.7M | $542.4M | $434.5M | $74.3M | $3.4M | 0.55% | 3.44% | 0.82% | 45,796 |
| Q3 2025 | $610.0M | $536.4M | $426.2M | $74.8M | $3.2M | 0.70% | 3.44% | 0.61% | 49,750 |
| Q2 2025 | $595.0M | $523.5M | $420.5M | $73.7M | $2.1M | 0.72% | 3.49% | 0.54% | 49,557 |
| Q1 2025 | $586.3M | $513.9M | $408.9M | $72.7M | $1.1M | 0.74% | 3.45% | 0.46% | 44,828 |
| Q4 2024 | $566.7M | $496.3M | $404.2M | $71.6M | $1.1M | 0.19% | 3.28% | 0.74% | 49,257 |
| Q3 2024 | $555.2M | $477.2M | $396.5M | $72.3M | $1.2M | 0.28% | 3.30% | 1.14% | 49,762 |
| Q2 2024 | $548.7M | $475.2M | $392.5M | $72.0M | $851K | 0.31% | 3.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.62% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 48,900 |
Loan mix (Q1 2026): real estate $181.0M · commercial $55.1M · consumer $199.3M · securities $91.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 78.3% | 36th |
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.