| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.8% | -1.5 pts |
| Share growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +2.2% | +4.3% | -2.2 pts |
| ROA | 1.20% | 0.62% | +0.6 pts |
| ROE | 11.4% | 5.9% | +5.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $933.6M | $807.6M | $720.9M | $98.6M | $2.8M | 1.20% | 3.94% | 0.60% | 58,588 |
| Q4 2025 | $946.9M | $791.8M | $724.4M | $96.0M | $10.7M | 1.13% | 3.82% | 0.52% | 57,968 |
| Q3 2025 | $906.3M | $774.9M | $715.9M | $93.2M | $7.9M | 1.16% | 3.94% | 0.59% | 57,680 |
| Q2 2025 | $893.2M | $789.2M | $714.6M | $91.6M | $6.3M | 1.41% | 3.96% | 0.37% | 57,605 |
| Q1 2025 | $904.5M | $798.0M | $705.6M | $87.8M | $2.5M | 1.12% | 3.79% | 0.30% | 58,025 |
| Q4 2024 | $895.1M | $743.0M | $695.5M | $85.6M | $6.8M | 0.76% | 3.37% | 0.57% | 57,882 |
| Q3 2024 | $882.7M | $734.5M | $663.6M | $82.4M | $3.6M | 0.55% | 3.30% | 0.60% | 57,417 |
| Q2 2024 | $886.1M | $742.2M | $653.7M | $81.1M | $2.4M | 0.54% | 3.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.62% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 57,205 |
Loan mix (Q1 2026): real estate $243.2M · commercial $119.5M · consumer $330.2M · securities $75.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 78.3% | 39th |
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% |
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