| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.8% | +8.3 pts |
| Share growth (YoY) | +11.8% | +4.3% | +7.5 pts |
| Loan growth (YoY) | +11.0% | +4.3% | +6.7 pts |
| ROA | 1.43% | 0.62% | +0.8 pts |
| ROE | 11.5% | 5.9% | +5.6 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 | $918.6M | $774.2M | $743.9M | $113.8M | $3.3M | 1.43% | 4.23% | 0.47% | 53,881 |
| Q4 2025 | $902.7M | $759.8M | $728.7M | $110.5M | $7.9M | 0.87% | 4.08% | 0.58% | 53,548 |
| Q3 2025 | $865.3M | $724.2M | $714.1M | $109.3M | $6.5M | 0.99% | 4.19% | 0.48% | 53,383 |
| Q2 2025 | $870.1M | $742.3M | $694.6M | $106.7M | $3.9M | 0.90% | 4.13% | 0.56% | 53,106 |
| Q1 2025 | $812.4M | $692.6M | $670.1M | $99.8M | $1.7M | 0.83% | 4.27% | 0.49% | 51,227 |
| Q4 2024 | $809.9M | $674.8M | $665.2M | $98.1M | $6.5M | 0.80% | 4.10% | 0.57% | 51,085 |
| Q3 2024 | $790.8M | $662.6M | $654.9M | $97.3M | $5.5M | 0.93% | 4.16% | 0.47% | 51,293 |
| Q2 2024 | $800.5M | $670.1M | $649.4M | $95.3M | $3.5M | 0.88% | 4.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.62% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 51,151 |
Loan mix (Q1 2026): real estate $357.3M · commercial $131.5M · consumer $245.8M · securities $44.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 78.3% | 27th |
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.