| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +4.8% | +5.2 pts |
| Share growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| Loan growth (YoY) | +8.8% | +4.3% | +4.4 pts |
| ROA | 1.44% | 0.62% | +0.8 pts |
| ROE | 11.0% | 5.9% | +5.1 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $610.5M | $523.9M | $411.1M | $79.4M | $2.2M | 1.44% | 3.26% | 0.14% | 37,857 |
| Q4 2025 | $594.7M | $509.3M | $406.8M | $77.2M | $9.1M | 1.54% | 3.34% | 0.10% | 37,482 |
| Q3 2025 | $585.6M | $503.6M | $394.1M | $75.1M | $7.0M | 1.60% | 3.35% | 0.09% | 37,211 |
| Q2 2025 | $567.5M | $488.2M | $384.7M | $72.4M | $4.3M | 1.53% | 3.38% | 0.10% | 36,856 |
| Q1 2025 | $555.1M | $477.4M | $378.0M | $70.0M | $2.0M | 1.42% | 3.38% | 0.15% | 36,865 |
| Q4 2024 | $531.9M | $457.4M | $382.9M | $68.0M | $7.6M | 1.42% | 3.44% | 0.11% | 36,592 |
| Q3 2024 | $526.6M | $453.4M | $381.1M | $66.1M | $5.6M | 1.43% | 3.43% | 0.16% | 36,330 |
| Q2 2024 | $531.6M | $457.5M | $378.1M | $64.2M | $3.7M | 1.40% | 3.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.62% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 36,068 |
Loan mix (Q1 2026): real estate $205.2M · commercial $63.2M · consumer $128.4M · securities $129.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 78.3% | 13th |
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.