| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.1% | +1.6 pts |
| Share growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Loan growth (YoY) | -5.1% | +5.4% | -10.6 pts |
| ROA | 0.62% | 0.71% | -0.1 pts |
| ROE | 7.3% | 6.3% | +1.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.70B | $2.47B | $418.1M | $230.0M | $4.2M | 0.62% | 1.05% | 0.10% | 69,685 |
| Q4 2025 | $2.64B | $2.40B | $423.7M | $225.8M | $13.2M | 0.50% | 0.95% | 0.17% | 69,672 |
| Q3 2025 | $2.58B | $2.36B | $432.5M | $222.8M | $10.2M | 0.53% | 0.98% | 0.13% | 69,494 |
| Q2 2025 | $2.57B | $2.35B | $437.7M | $218.7M | $6.1M | 0.48% | 0.93% | 0.08% | 69,378 |
| Q1 2025 | $2.53B | $2.32B | $440.6M | $215.3M | $2.7M | 0.43% | 0.88% | 0.04% | 69,113 |
| Q4 2024 | $2.49B | $2.26B | $447.9M | $212.6M | $7.6M | 0.31% | 0.76% | 0.08% | 68,955 |
| Q3 2024 | $2.44B | $2.23B | $450.8M | $211.4M | $6.4M | 0.35% | 0.80% | 0.12% | 68,713 |
| Q2 2024 | $2.44B | $2.23B | $444.9M | $208.6M | $3.6M | 0.29% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.71% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 6.3% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.05% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.05% |
| 68,288 |
Loan mix (Q1 2026): real estate $297.4M · commercial $0 · consumer $120.1M · securities $1.56B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.5% | 73.0% | 1th |
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.