| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Share growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +6.4% | +5.4% | +1.0 pts |
| ROA | 0.32% | 0.71% | -0.4 pts |
| ROE | 3.2% | 6.3% | -3.1 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.66B | $2.37B | $1.78B | $270.0M | $2.2M | 0.32% | 3.86% | 0.66% | 169,602 |
| Q4 2025 | $2.63B | $2.34B | $1.76B | $267.9M | $13.6M | 0.52% | 3.79% | 0.75% | 168,239 |
| Q3 2025 | $2.58B | $2.30B | $1.72B | $262.8M | $7.5M | 0.39% | 3.81% | 0.63% | 167,990 |
| Q2 2025 | $2.55B | $2.28B | $1.70B | $258.1M | $2.8M | 0.22% | 3.81% | 0.69% | 167,893 |
| Q1 2025 | $2.58B | $2.31B | $1.68B | $257.0M | $1.7M | 0.26% | 3.60% | 0.76% | 173,173 |
| Q4 2024 | $2.50B | $2.23B | $1.68B | $255.3M | $25.2M | 1.00% | 3.66% | 1.06% | 175,742 |
| Q3 2024 | $2.87B | $2.20B | $1.67B | $252.4M | $21.2M | 0.99% | 3.17% | 1.03% | 175,524 |
| Q2 2024 | $2.87B | $2.18B | $1.67B | $250.1M | $19.0M | 1.32% | 3.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.71% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 6.3% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 173,297 |
Loan mix (Q1 2026): real estate $864.6M · commercial $117.8M · consumer $796.8M · securities $463.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 73.0% | 43th |
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.