| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.8% | +4.9 pts |
| Share growth (YoY) | +8.4% | +4.3% | +4.1 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| ROA | 1.07% | 0.62% | +0.4 pts |
| ROE | 10.8% | 5.9% | +4.9 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $760.8M | $665.2M | $511.5M | $75.2M | $2.0M | 1.07% | 3.82% | 0.68% | 36,858 |
| Q4 2025 | $732.6M | $639.3M | $511.0M | $73.1M | $8.4M | 1.15% | 3.79% | 0.80% | 36,459 |
| Q3 2025 | $712.5M | $617.8M | $502.5M | $71.2M | $6.3M | 1.17% | 3.84% | 0.83% | 36,269 |
| Q2 2025 | $702.9M | $620.1M | $497.4M | $68.5M | $3.6M | 1.03% | 3.78% | 0.65% | 35,975 |
| Q1 2025 | $693.8M | $613.3M | $483.0M | $66.8M | $1.9M | 1.08% | 3.68% | 0.37% | 35,917 |
| Q4 2024 | $673.0M | $596.5M | $465.5M | $64.9M | $7.3M | 1.09% | 3.45% | 0.67% | 35,796 |
| Q3 2024 | $672.3M | $591.9M | $445.0M | $63.4M | $5.6M | 1.11% | 3.39% | 0.68% | 35,942 |
| Q2 2024 | $656.5M | $578.5M | $442.7M | $61.8M | $4.0M | 1.21% | 3.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.62% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 36,329 |
Loan mix (Q1 2026): real estate $317.3M · commercial $22.7M · consumer $161.8M · securities $116.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 78.3% | 20th |
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.