| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +3.6% | +4.9% | -1.2 pts |
| Loan growth (YoY) | +3.1% | +5.4% | -2.3 pts |
| ROA | 0.87% | 0.71% | +0.2 pts |
| ROE | 7.7% | 6.3% | +1.4 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.25B | $1.10B | $927.4M | $142.9M | $2.7M | 0.87% | 2.92% | 0.71% | 53,729 |
| Q4 2025 | $1.21B | $1.07B | $913.5M | $140.2M | $8.6M | 0.71% | 2.85% | 0.95% | 53,305 |
| Q3 2025 | $1.17B | $1.03B | $915.0M | $137.8M | $5.9M | 0.68% | 2.88% | 0.97% | 53,594 |
| Q2 2025 | $1.19B | $1.05B | $913.2M | $135.1M | $3.2M | 0.53% | 2.74% | 1.03% | 53,773 |
| Q1 2025 | $1.20B | $1.06B | $899.4M | $133.0M | $1.1M | 0.38% | 2.59% | 0.99% | 53,597 |
| Q4 2024 | $1.18B | $1.05B | $894.3M | $131.9M | $3.9M | 0.33% | 2.38% | 1.33% | 53,278 |
| Q3 2024 | $1.15B | $1.02B | $883.7M | $131.3M | $3.0M | 0.34% | 2.38% | 1.15% | 53,282 |
| Q2 2024 | $1.11B | $969.2M | $877.8M | $130.2M | $1.9M | 0.34% | 2.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.71% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 6.3% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 53,289 |
Loan mix (Q1 2026): real estate $394.3M · commercial $150.6M · consumer $366.5M · securities $241.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 73.0% | 39th |
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.