| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +5.1% | +1.8 pts |
| Share growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Loan growth (YoY) | +9.2% | +5.4% | +3.8 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 7.6% | 6.3% | +1.3 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.83B | $1.51B | $1.51B | $227.8M | $4.3M | 0.94% | 3.46% | 0.56% | 106,398 |
| Q4 2025 | $1.75B | $1.44B | $1.46B | $223.5M | $17.6M | 1.00% | 3.38% | 0.64% | 104,691 |
| Q3 2025 | $1.71B | $1.40B | $1.45B | $218.6M | $12.0M | 0.93% | 3.37% | 0.62% | 104,094 |
| Q2 2025 | $1.71B | $1.40B | $1.40B | $213.9M | $7.3M | 0.86% | 3.30% | 0.60% | 102,567 |
| Q1 2025 | $1.71B | $1.40B | $1.39B | $208.5M | $1.9M | 0.44% | 3.21% | 0.55% | 101,972 |
| Q4 2024 | $1.64B | $1.33B | $1.36B | $207.1M | $14.4M | 0.87% | 3.17% | 0.67% | 100,177 |
| Q3 2024 | $1.61B | $1.29B | $1.35B | $203.0M | $9.5M | 0.79% | 3.20% | 0.58% | 99,347 |
| Q2 2024 | $1.55B | $1.23B | $1.31B | $200.0M | $6.5M | 0.84% | 3.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.71% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.3% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 97,728 |
Loan mix (Q1 2026): real estate $564.7M · commercial $27.1M · consumer $907.6M · securities $46.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 73.0% | 46th |
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.