| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +5.1% | +4.6 pts |
| Share growth (YoY) | +10.0% | +4.9% | +5.1 pts |
| Loan growth (YoY) | +4.5% | +5.4% | -0.9 pts |
| ROA | 1.64% | 0.71% | +0.9 pts |
| ROE | 8.7% | 6.3% | +2.4 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.44B | $1.16B | $957.1M | $273.5M | $5.9M | 1.64% | 3.66% | 0.23% | 104,913 |
| Q4 2025 | $1.40B | $1.12B | $953.8M | $267.6M | $25.3M | 1.81% | 3.70% | 0.48% | 104,117 |
| Q3 2025 | $1.38B | $1.10B | $942.0M | $260.2M | $17.9M | 1.74% | 3.71% | 0.49% | 103,391 |
| Q2 2025 | $1.35B | $1.08B | $929.3M | $254.3M | $11.2M | 1.66% | 3.73% | 0.41% | 102,268 |
| Q1 2025 | $1.32B | $1.05B | $915.7M | $248.8M | $5.7M | 1.72% | 3.72% | 0.15% | 102,628 |
| Q4 2024 | $1.32B | $1.07B | $895.7M | $243.1M | $22.1M | 1.67% | 3.64% | 0.32% | 101,491 |
| Q3 2024 | $1.31B | $1.06B | $879.5M | $238.2M | $17.1M | 1.75% | 3.67% | 0.33% | 100,552 |
| Q2 2024 | $1.27B | $1.02B | $848.6M | $232.7M | $10.8M | 1.70% | 3.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.71% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 6.3% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 99,111 |
Loan mix (Q1 2026): real estate $254.7M · commercial $15.9M · consumer $653.9M · securities $167.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 73.0% | 6th |
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.