| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.8% | +4.1 pts |
| Share growth (YoY) | +7.9% | +4.3% | +3.6 pts |
| Loan growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| ROA | 1.14% | 0.62% | +0.5 pts |
| ROE | 12.4% | 5.9% | +6.5 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $746.2M | $670.2M | $561.4M | $68.5M | $2.1M | 1.14% | 3.50% | 0.64% | 51,753 |
| Q4 2025 | $716.8M | $644.3M | $545.2M | $67.6M | $5.1M | 0.71% | 3.58% | 0.69% | 51,098 |
| Q3 2025 | $709.6M | $639.1M | $541.8M | $66.7M | $4.2M | 0.78% | 3.60% | 0.82% | 50,794 |
| Q2 2025 | $698.0M | $625.7M | $537.3M | $63.0M | $2.4M | 0.70% | 3.62% | 0.82% | 50,432 |
| Q1 2025 | $685.5M | $621.2M | $525.7M | $62.0M | $1.4M | 0.81% | 3.62% | 0.64% | 51,109 |
| Q4 2024 | $677.8M | $610.4M | $510.8M | $64.4M | $4.5M | 0.66% | 3.67% | 0.91% | 50,837 |
| Q3 2024 | $655.6M | $592.4M | $497.0M | $63.6M | $3.6M | 0.73% | 3.78% | 0.93% | 50,512 |
| Q2 2024 | $639.2M | $571.0M | $489.4M | $62.0M | $2.0M | 0.63% | 3.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.62% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 50,019 |
Loan mix (Q1 2026): real estate $137.9M · commercial $58.7M · consumer $341.8M · securities $58.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 78.3% | 53th |
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.