| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.1% | +3.9 pts |
| Share growth (YoY) | +9.3% | +4.9% | +4.5 pts |
| Loan growth (YoY) | +7.1% | +5.4% | +1.7 pts |
| ROA | 0.42% | 0.71% | -0.3 pts |
| ROE | 4.1% | 6.3% | -2.2 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.45B | $1.28B | $1.16B | $149.9M | $1.5M | 0.42% | 4.10% | 0.38% | 97,148 |
| Q4 2025 | $1.42B | $1.25B | $1.12B | $148.3M | $11.4M | 0.81% | 4.15% | 0.40% | 95,168 |
| Q3 2025 | $1.33B | $1.17B | $1.11B | $146.2M | $8.1M | 0.81% | 4.37% | 0.40% | 94,881 |
| Q2 2025 | $1.32B | $1.16B | $1.09B | $142.9M | $4.8M | 0.73% | 4.30% | 0.33% | 94,010 |
| Q1 2025 | $1.33B | $1.17B | $1.08B | $140.2M | $2.1M | 0.64% | 4.08% | 0.33% | 92,976 |
| Q4 2024 | $1.30B | $1.15B | $1.04B | $138.1M | $12.2M | 0.94% | 3.97% | 0.25% | 91,663 |
| Q3 2024 | $1.26B | $1.11B | $1.02B | $137.5M | $10.4M | 1.10% | 3.99% | 0.47% | 93,370 |
| Q2 2024 | $1.25B | $1.10B | $1.02B | $131.8M | $4.8M | 0.76% | 3.91% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.71% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 92,853 |
Loan mix (Q1 2026): real estate $347.9M · commercial $957K · consumer $681.0M · securities $144.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 73.0% | 71th |
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.