| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.1% | +4.3 pts |
| Share growth (YoY) | +13.5% | +4.9% | +8.6 pts |
| Loan growth (YoY) | +6.8% | +5.4% | +1.4 pts |
| ROA | 1.40% | 0.71% | +0.7 pts |
| ROE | 14.9% | 6.3% | +8.6 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.07B | $1.79B | $1.56B | $194.3M | $7.2M | 1.40% | 4.03% | 0.81% | 115,119 |
| Q4 2025 | $2.00B | $1.70B | $1.58B | $185.4M | $16.1M | 0.80% | 3.90% | 0.70% | 115,153 |
| Q3 2025 | $1.98B | $1.66B | $1.56B | $180.4M | $9.5M | 0.64% | 3.85% | 0.81% | 115,548 |
| Q2 2025 | $1.94B | $1.63B | $1.50B | $176.9M | $6.0M | 0.62% | 3.84% | 0.59% | 115,318 |
| Q1 2025 | $1.89B | $1.58B | $1.46B | $173.9M | $2.9M | 0.62% | 3.85% | 0.48% | 114,915 |
| Q4 2024 | $1.84B | $1.51B | $1.45B | $170.9M | $6.6M | 0.36% | 3.60% | 0.82% | 114,233 |
| Q3 2024 | $1.85B | $1.53B | $1.41B | $169.8M | $3.9M | 0.28% | 3.48% | 0.66% | 113,986 |
| Q2 2024 | $1.84B | $1.56B | $1.38B | $170.2M | $4.2M | 0.46% | 3.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.71% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 6.3% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 113,729 |
Loan mix (Q1 2026): real estate $447.3M · commercial $479.6M · consumer $505.4M · securities $177.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 73.0% | 38th |
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.