| Metric | Diamond Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.1% | +4.4 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.1 pts |
| Loan growth (YoY) | +7.1% | +5.4% | +1.6 pts |
| ROA | 0.73% | 0.71% | +0.0 pts |
| ROE | 7.3% | 6.3% | +1.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.22B | $1.08B | $674.0M | $121.7M | $2.2M | 0.73% | 3.08% | 0.30% | 70,881 |
| Q4 2025 | $1.18B | $1.05B | $678.0M | $119.5M | $12.4M | 1.05% | 2.98% | 0.35% | 70,408 |
| Q3 2025 | $1.14B | $1.00B | $668.8M | $116.0M | $9.0M | 1.06% | 3.02% | 0.31% | 69,963 |
| Q2 2025 | $1.13B | $1.00B | $644.0M | $113.6M | $6.6M | 1.18% | 2.96% | 0.24% | 69,271 |
| Q1 2025 | $1.11B | $991.3M | $629.4M | $108.5M | $1.2M | 0.44% | 2.90% | 0.25% | 68,836 |
| Q4 2024 | $1.06B | $941.6M | $632.9M | $107.3M | $8.0M | 0.75% | 2.78% | 0.31% | 68,410 |
| Q3 2024 | $1.04B | $921.8M | $624.2M | $105.2M | $5.9M | 0.76% | 2.79% | 0.25% | 68,118 |
| Q2 2024 | $1.02B | $918.2M | $610.1M | $102.8M | $3.5M | 0.69% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Diamond Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.71% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 6.3% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 67,395 |
Loan mix (Q1 2026): real estate $391.4M · commercial $72.5M · consumer $209.2M · securities $369.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 73.0% | 78th |
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 | Diamond Credit Union | 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 | Diamond Credit Union | 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 | Diamond Credit Union | 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 | Diamond Credit Union | 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.