| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.1% | -1.8 pts |
| Share growth (YoY) | +4.0% | +4.9% | -0.9 pts |
| Loan growth (YoY) | +5.4% | +5.4% | +0.0 pts |
| ROA | 0.45% | 0.71% | -0.3 pts |
| ROE | 3.7% | 6.3% | -2.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.17B | $2.61B | $2.59B | $383.4M | $3.6M | 0.45% | 3.24% | 0.49% | 176,876 |
| Q4 2025 | $3.17B | $2.57B | $2.58B | $379.8M | $20.1M | 0.64% | 3.13% | 0.63% | 175,682 |
| Q3 2025 | $3.12B | $2.52B | $2.53B | $377.1M | $15.9M | 0.68% | 3.08% | 0.68% | 174,268 |
| Q2 2025 | $3.10B | $2.52B | $2.48B | $370.9M | $9.6M | 0.62% | 3.06% | 0.58% | 172,441 |
| Q1 2025 | $3.07B | $2.51B | $2.45B | $363.5M | $2.2M | 0.29% | 3.00% | 0.39% | 171,018 |
| Q4 2024 | $3.04B | $2.46B | $2.46B | $361.3M | $21.1M | 0.69% | 3.03% | 0.58% | 170,345 |
| Q3 2024 | $3.02B | $2.43B | $2.45B | $359.3M | $17.4M | 0.77% | 3.06% | 0.52% | 169,568 |
| Q2 2024 | $3.05B | $2.48B | $2.43B | $353.4M | $11.6M | 0.76% | 3.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.71% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 168,430 |
Loan mix (Q1 2026): real estate $1.85B · commercial $265.3M · consumer $418.4M · securities $207.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 73.0% | 84th |
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.