| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Share growth (YoY) | +4.2% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +5.5% | +5.4% | +0.1 pts |
| ROA | 1.40% | 0.71% | +0.7 pts |
| ROE | 9.9% | 6.3% | +3.6 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.53B | $1.24B | $1.18B | $217.0M | $5.4M | 1.40% | 4.83% | 0.80% | 96,058 |
| Q4 2025 | $1.53B | $1.23B | $1.17B | $211.6M | $15.8M | 1.03% | 4.59% | 0.96% | 95,518 |
| Q3 2025 | $1.50B | $1.20B | $1.19B | $209.5M | $13.7M | 1.21% | 4.58% | 1.04% | 95,084 |
| Q2 2025 | $1.48B | $1.19B | $1.16B | $202.5M | $6.6M | 0.89% | 4.51% | 1.09% | 94,196 |
| Q1 2025 | $1.49B | $1.19B | $1.12B | $200.0M | $4.2M | 1.11% | 4.39% | 0.86% | 93,209 |
| Q4 2024 | $1.47B | $1.17B | $1.10B | $195.9M | $14.1M | 0.96% | 4.25% | 1.01% | 92,614 |
| Q3 2024 | $1.45B | $1.14B | $1.08B | $190.9M | $9.1M | 0.84% | 4.23% | 1.22% | 92,538 |
| Q2 2024 | $1.46B | $1.14B | $1.08B | $187.4M | $5.6M | 0.77% | 4.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.71% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.3% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.18% |
| 92,248 |
Loan mix (Q1 2026): real estate $530.8M · commercial $1.2M · consumer $558.7M · securities $157.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 73.0% | 42th |
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.