| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.1% | — |
| Share growth (YoY) | — | +4.9% | — |
| Loan growth (YoY) | — | +5.4% | — |
| ROA | 1.16% | 0.71% | +0.5 pts |
| ROE | 10.3% | 6.3% | +4.0 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.94B | $3.11B | $2.11B | $444.8M | $11.5M | 1.16% | 3.02% | 0.48% | 185,895 |
| Q4 2025 | $3.84B | $2.98B | $2.10B | $433.4M | $35.0M | 0.91% | 2.90% | 0.51% | 184,324 |
Loan mix (Q1 2026): real estate $1.08B · commercial $472.2M · consumer $561.7M · securities $1.48B
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.71% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.3% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.32% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% |
Peer lists, growth filters, CSV export, CRM push.
| 73.0% |
18th |
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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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.