| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.2% | +4.8% | +16.5 pts |
| Share growth (YoY) | +21.6% | +4.3% | +17.3 pts |
| Loan growth (YoY) | +11.0% | +4.3% | +6.7 pts |
| ROA | 0.88% | 0.62% | +0.3 pts |
| ROE | 5.9% | 5.9% | -0.0 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $831.2M | $694.9M | $517.7M | $124.8M | $1.8M | 0.88% | 3.26% | 0.20% | 38,284 |
| Q4 2025 | $693.3M | $576.8M | $464.0M | $110.7M | $6.3M | 0.91% | 3.50% | 0.22% | 33,020 |
| Q3 2025 | $687.7M | $572.9M | $469.3M | $109.0M | $4.7M | 0.92% | 3.52% | 0.17% | 33,279 |
| Q2 2025 | $689.2M | $575.0M | $468.1M | $107.4M | $2.7M | 0.80% | 3.49% | 0.18% | 33,745 |
| Q1 2025 | $685.6M | $571.4M | $466.4M | $105.8M | $1.6M | 0.91% | 3.40% | 0.28% | 34,394 |
| Q4 2024 | $510.2M | $412.0M | $379.3M | $95.0M | $1.4M | 0.27% | 2.92% | 0.11% | 20,340 |
| Q3 2024 | $502.4M | $403.4M | $382.8M | $96.0M | $2.4M | 0.63% | 2.97% | 0.09% | 20,509 |
| Q2 2024 | $489.1M | $390.7M | $383.1M | $95.1M | $1.5M | 0.62% | 3.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.62% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 20,662 |
Loan mix (Q1 2026): real estate $364.5M · commercial $81.4M · consumer $66.6M · securities $179.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.3% | 34th |
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.