| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +5.1% | -2.2 pts |
| Share growth (YoY) | +5.6% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +5.0% | +5.4% | -0.5 pts |
| ROA | 0.72% | 0.71% | +0.0 pts |
| ROE | 5.7% | 6.3% | -0.6 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.63B | $2.94B | $2.46B | $459.1M | $6.5M | 0.72% | 2.91% | 1.44% | 181,196 |
| Q4 2025 | $3.59B | $2.88B | $2.46B | $447.4M | $38.9M | 1.08% | 2.94% | 0.75% | 179,112 |
| Q3 2025 | $3.59B | $2.83B | $2.42B | $437.5M | $27.9M | 1.04% | 2.71% | 0.75% | 177,135 |
| Q2 2025 | $3.60B | $2.85B | $2.38B | $426.7M | $17.1M | 0.95% | 2.61% | 0.67% | 175,024 |
| Q1 2025 | $3.53B | $2.79B | $2.34B | $414.3M | $4.7M | 0.53% | 2.49% | 0.74% | 173,038 |
| Q4 2024 | $3.44B | $2.70B | $2.33B | $409.6M | $29.5M | 0.86% | 2.64% | 0.70% | 171,305 |
| Q3 2024 | $3.37B | $2.61B | $2.34B | $406.0M | $24.8M | 0.98% | 2.60% | 0.68% | 170,003 |
| Q2 2024 | $3.27B | $2.54B | $2.39B | $395.1M | $14.0M | 0.85% | 2.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.71% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 6.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 167,853 |
Loan mix (Q1 2026): real estate $835.1M · commercial $810.0M · consumer $770.0M · securities $547.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 73.0% | 63th |
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.