| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +5.1% | +6.7 pts |
| Share growth (YoY) | +12.3% | +4.9% | +7.4 pts |
| Loan growth (YoY) | +12.5% | +5.4% | +7.0 pts |
| ROA | 0.21% | 0.71% | -0.5 pts |
| ROE | 1.7% | 6.3% | -4.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.07B | $1.80B | $1.85B | $255.3M | $1.1M | 0.21% | 3.87% | 0.44% | 162,120 |
| Q4 2025 | $1.93B | $1.66B | $1.75B | $229.6M | $15.9M | 0.83% | 3.72% | 0.47% | 148,414 |
| Q3 2025 | $1.90B | $1.64B | $1.74B | $223.9M | $10.1M | 0.71% | 3.68% | 0.31% | 147,499 |
| Q2 2025 | $1.88B | $1.62B | $1.70B | $219.2M | $5.4M | 0.58% | 3.59% | 0.26% | 145,183 |
| Q1 2025 | $1.85B | $1.60B | $1.65B | $218.1M | $2.1M | 0.46% | 3.52% | 0.32% | 142,719 |
| Q4 2024 | $1.81B | $1.52B | $1.65B | $215.9M | $13.8M | 0.76% | 3.46% | 0.48% | 141,010 |
| Q3 2024 | $1.82B | $1.51B | $1.62B | $212.4M | $10.3M | 0.75% | 3.39% | 0.41% | 139,902 |
| Q2 2024 | $1.77B | $1.49B | $1.59B | $208.2M | $6.0M | 0.68% | 3.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.71% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 6.3% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 138,341 |
Loan mix (Q1 2026): real estate $608.0M · commercial $244.6M · consumer $807.6M · securities $27.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 73.0% | 83th |
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.