| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Share growth (YoY) | +3.9% | +4.9% | -0.9 pts |
| Loan growth (YoY) | +1.3% | +5.4% | -4.2 pts |
| ROA | 1.34% | 0.71% | +0.6 pts |
| ROE | 10.3% | 6.3% | +4.0 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.59B | $2.25B | $2.02B | $336.5M | $8.7M | 1.34% | 3.69% | 0.92% | 121,381 |
| Q4 2025 | $2.56B | $2.22B | $2.06B | $327.8M | $30.6M | 1.20% | 3.60% | 1.02% | 121,571 |
| Q3 2025 | $2.51B | $2.18B | $2.06B | $321.0M | $23.6M | 1.25% | 3.64% | 0.89% | 121,550 |
| Q2 2025 | $2.49B | $2.17B | $2.04B | $311.9M | $14.5M | 1.17% | 3.60% | 0.85% | 120,603 |
| Q1 2025 | $2.47B | $2.16B | $2.00B | $303.8M | $6.5M | 1.05% | 3.54% | 0.76% | 119,247 |
| Q4 2024 | $2.45B | $2.10B | $1.98B | $297.3M | $22.6M | 0.92% | 3.28% | 0.99% | 118,602 |
| Q3 2024 | $2.43B | $2.09B | $1.95B | $293.6M | $18.7M | 1.02% | 3.28% | 0.53% | 118,021 |
| Q2 2024 | $2.44B | $2.10B | $1.94B | $287.7M | $12.8M | 1.05% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.71% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.3% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 116,802 |
Loan mix (Q1 2026): real estate $608.9M · commercial $563.6M · consumer $820.2M · securities $159.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 73.0% | 11th |
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.