| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +5.1% | +3.5 pts |
| Share growth (YoY) | +8.6% | +4.9% | +3.7 pts |
| Loan growth (YoY) | +7.1% | +5.4% | +1.6 pts |
| ROA | 1.51% | 0.71% | +0.8 pts |
| ROE | 12.1% | 6.3% | +5.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.52B | $1.18B | $1.06B | $189.6M | $5.7M | 1.51% | 3.94% | 0.25% | 110,379 |
| Q4 2025 | $1.48B | $1.14B | $1.05B | $183.9M | $18.5M | 1.24% | 3.84% | 0.40% | 109,515 |
| Q3 2025 | $1.47B | $1.14B | $1.04B | $181.5M | $15.6M | 1.41% | 3.80% | 0.29% | 109,384 |
| Q2 2025 | $1.44B | $1.12B | $1.02B | $176.4M | $10.5M | 1.46% | 3.84% | 0.35% | 108,320 |
| Q1 2025 | $1.40B | $1.09B | $986.6M | $171.0M | $5.0M | 1.43% | 3.78% | 0.25% | 107,070 |
| Q4 2024 | $1.35B | $1.05B | $951.5M | $166.0M | $18.7M | 1.38% | 3.60% | 0.32% | 106,150 |
| Q3 2024 | $1.38B | $1.04B | $934.7M | $161.6M | $13.8M | 1.34% | 3.41% | 0.34% | 105,485 |
| Q2 2024 | $1.39B | $1.07B | $907.7M | $156.1M | $8.3M | 1.19% | 3.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.71% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 6.3% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 104,736 |
Loan mix (Q1 2026): real estate $214.7M · commercial $306.0M · consumer $533.9M · securities $294.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 73.0% | 28th |
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.