| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.8% | +0.5 pts |
| Share growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | -0.4% | +4.3% | -4.7 pts |
| ROA | 1.32% | 0.62% | +0.7 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $811.9M | $704.4M | $503.5M | $109.6M | $2.7M | 1.32% | 3.62% | 0.56% | 44,122 |
| Q4 2025 | $783.9M | $679.1M | $500.4M | $106.9M | $8.3M | 1.05% | 3.33% | 0.68% | 43,835 |
| Q3 2025 | $774.4M | $667.2M | $509.3M | $107.9M | $9.3M | 1.59% | 3.75% | 0.69% | 43,943 |
| Q2 2025 | $769.6M | $668.7M | $505.5M | $104.8M | $6.2M | 1.60% | 3.70% | 0.60% | 43,659 |
| Q1 2025 | $771.5M | $673.8M | $505.5M | $101.8M | $3.1M | 1.62% | 3.61% | 0.45% | 43,505 |
| Q4 2024 | $827.5M | $651.4M | $496.0M | $98.7M | $8.0M | 0.97% | 3.17% | 0.59% | 43,180 |
| Q3 2024 | $794.5M | $618.0M | $500.1M | $97.3M | $6.6M | 1.10% | 3.27% | 0.45% | 42,979 |
| Q2 2024 | $778.4M | $608.8M | $500.4M | $95.5M | $4.8M | 1.22% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.62% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 42,796 |
Loan mix (Q1 2026): real estate $183.4M · commercial $0 · consumer $281.0M · securities $103.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 78.3% | 13th |
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.