| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +5.1% | +5.3 pts |
| Share growth (YoY) | +11.6% | +4.9% | +6.7 pts |
| Loan growth (YoY) | +13.8% | +5.4% | +8.3 pts |
| ROA | 1.35% | 0.71% | +0.6 pts |
| ROE | 12.1% | 6.3% | +5.8 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 | $2.83B | $2.50B | $2.09B | $315.6M | $9.6M | 1.35% | 3.59% | 0.67% | 144,367 |
| Q4 2025 | $2.75B | $2.38B | $2.06B | $306.1M | $25.6M | 0.93% | 3.38% | 0.76% | 140,745 |
| Q3 2025 | $2.66B | $2.30B | $2.00B | $303.4M | $21.4M | 1.07% | 3.39% | 0.77% | 137,411 |
| Q2 2025 | $2.63B | $2.29B | $1.94B | $295.4M | $13.5M | 1.03% | 3.29% | 0.59% | 134,963 |
| Q1 2025 | $2.57B | $2.24B | $1.84B | $287.6M | $5.6M | 0.88% | 3.21% | 0.56% | 130,195 |
Loan mix (Q1 2026): real estate $879.0M · commercial $231.3M · consumer $934.1M · securities $308.6M
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.71% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 6.3% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.32% | 69th | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 60.1% |
| 73.0% |
10th |
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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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.