| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +5.1% | +1.0 pts |
| Share growth (YoY) | +7.9% | +4.9% | +3.1 pts |
| Loan growth (YoY) | +8.1% | +5.4% | +2.6 pts |
| ROA | 0.34% | 0.71% | -0.4 pts |
| ROE | 3.0% | 6.3% | -3.2 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.45B | $1.23B | $1.12B | $160.4M | $1.2M | 0.34% | 2.93% | 0.26% | 56,055 |
| Q4 2025 | $1.46B | $1.24B | $1.10B | $159.1M | $7.4M | 0.51% | 2.92% | 0.37% | 55,446 |
| Q3 2025 | $1.44B | $1.23B | $1.05B | $157.9M | $5.9M | 0.54% | 2.91% | 0.28% | 55,626 |
| Q2 2025 | $1.42B | $1.20B | $1.05B | $155.0M | $2.9M | 0.41% | 2.88% | 0.33% | 55,203 |
| Q1 2025 | $1.37B | $1.14B | $1.03B | $152.7M | $684K | 0.20% | 2.80% | 0.25% | 55,082 |
| Q4 2024 | $1.37B | $1.16B | $1.02B | $152.1M | $4.4M | 0.32% | 2.51% | 0.27% | 55,137 |
| Q3 2024 | $1.37B | $1.15B | $986.2M | $152.3M | $4.3M | 0.42% | 2.56% | 0.33% | 57,957 |
| Q2 2024 | $1.37B | $1.14B | $979.0M | $150.7M | $2.7M | 0.39% | 2.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.71% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.3% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 57,938 |
Loan mix (Q1 2026): real estate $530.1M · commercial $170.6M · consumer $360.0M · securities $97.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 73.0% | 76th |
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.