| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +5.1% | +2.6 pts |
| Share growth (YoY) | +7.4% | +4.9% | +2.5 pts |
| Loan growth (YoY) | +8.9% | +5.4% | +3.5 pts |
| ROA | 0.83% | 0.71% | +0.1 pts |
| ROE | 7.7% | 6.3% | +1.4 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.73B | $2.41B | $2.26B | $295.2M | $5.7M | 0.83% | 3.26% | 0.42% | 167,018 |
| Q4 2025 | $2.65B | $2.29B | $2.24B | $289.5M | $20.3M | 0.77% | 3.07% | 0.50% | 166,042 |
| Q3 2025 | $2.55B | $2.25B | $2.19B | $282.0M | $12.8M | 0.67% | 3.13% | 0.48% | 164,782 |
| Q2 2025 | $2.51B | $2.22B | $2.11B | $276.5M | $7.3M | 0.58% | 3.04% | 0.52% | 163,327 |
| Q1 2025 | $2.53B | $2.25B | $2.07B | $272.7M | $3.5M | 0.55% | 2.88% | 0.53% | 162,242 |
| Q4 2024 | $2.42B | $2.14B | $2.05B | $269.2M | $17.6M | 0.73% | 2.80% | 0.64% | 163,782 |
| Q3 2024 | $2.39B | $2.11B | $2.03B | $265.5M | $13.9M | 0.78% | 2.81% | 0.58% | 162,896 |
| Q2 2024 | $2.35B | $2.07B | $2.02B | $262.5M | $10.9M | 0.92% | 2.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.71% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 6.3% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 161,894 |
Loan mix (Q1 2026): real estate $938.9M · commercial $197.1M · consumer $588.6M · securities $150.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 73.0% | 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% |
The full ratio pack is part of CharterBench Pro.