| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +37.8% | +5.1% | +32.7 pts |
| Share growth (YoY) | +40.5% | +4.9% | +35.6 pts |
| Loan growth (YoY) | +51.4% | +5.4% | +46.0 pts |
| ROA | 2.48% | 0.71% | +1.8 pts |
| ROE | 26.1% | 6.3% | +19.8 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.64B | $2.30B | $1.97B | $250.7M | $16.3M | 2.48% | 5.53% | 1.15% | 167,836 |
| Q4 2025 | $2.34B | $2.01B | $1.73B | $226.0M | $6.2M | 0.27% | 3.18% | 1.29% | 150,837 |
| Q3 2025 | $2.29B | $1.97B | $1.66B | $222.0M | $4.6M | 0.27% | 3.02% | 1.10% | 160,552 |
| Q2 2025 | $1.95B | $1.66B | $1.34B | $186.9M | $2.5M | 0.25% | 3.47% | 1.33% | 121,471 |
| Q1 2025 | $1.91B | $1.63B | $1.30B | $185.6M | $1.2M | 0.26% | 3.52% | 1.23% | 122,990 |
| Q4 2024 | $1.87B | $1.60B | $1.34B | $181.4M | $4.1M | 0.22% | 3.08% | 1.46% | 121,674 |
| Q3 2024 | $1.92B | $1.38B | $1.10B | $170.9M | $4.0M | 0.28% | 2.99% | 1.28% | 110,468 |
| Q2 2024 | $1.66B | $1.40B | $1.12B | $169.2M | $3.3M | 0.39% | 3.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 0.71% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 26.1% | 6.3% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.53% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 123,549 |
Loan mix (Q1 2026): real estate $423.2M · commercial $894.8M · consumer $573.6M · securities $273.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 73.0% | 12th |
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.