| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +5.1% | +7.2 pts |
| Share growth (YoY) | +12.8% | +4.9% | +8.0 pts |
| Loan growth (YoY) | +9.8% | +5.4% | +4.3 pts |
| ROA | 0.68% | 0.71% | -0.0 pts |
| ROE | 5.6% | 6.3% | -0.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.17B | $2.77B | $2.27B | $385.1M | $5.4M | 0.68% | 3.33% | 0.60% | 191,902 |
| Q4 2025 | $3.04B | $2.64B | $2.23B | $379.7M | $28.0M | 0.92% | 3.39% | 0.80% | 188,741 |
| Q3 2025 | $2.89B | $2.49B | $2.19B | $373.4M | $21.4M | 0.99% | 3.53% | 0.70% | 186,039 |
| Q2 2025 | $2.81B | $2.43B | $2.14B | $366.0M | $13.9M | 0.99% | 3.56% | 0.74% | 183,206 |
| Q1 2025 | $2.83B | $2.46B | $2.07B | $357.1M | $5.1M | 0.72% | 3.41% | 0.65% | 181,507 |
| Q4 2024 | $2.75B | $2.40B | $2.03B | $352.0M | $6.9M | 0.25% | 3.20% | 0.77% | 178,430 |
| Q3 2024 | $2.79B | $2.37B | $2.01B | $357.6M | $12.1M | 0.58% | 3.10% | 0.61% | 176,517 |
| Q2 2024 | $2.72B | $2.32B | $1.96B | $353.6M | $8.1M | 0.60% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.71% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 6.3% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 174,333 |
Loan mix (Q1 2026): real estate $888.6M · commercial $232.9M · consumer $1.13B · securities $215.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 73.0% | 25th |
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.