| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +4.0% | +4.9% | -0.8 pts |
| Loan growth (YoY) | +17.2% | +5.4% | +11.8 pts |
| ROA | 0.88% | 0.71% | +0.2 pts |
| ROE | 5.6% | 6.3% | -0.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.80B | $1.51B | $1.13B | $279.7M | $3.9M | 0.88% | 3.42% | 0.44% | 119,576 |
| Q4 2025 | $1.76B | $1.48B | $1.09B | $275.9M | $11.9M | 0.67% | 3.27% | 0.74% | 117,120 |
| Q3 2025 | $1.73B | $1.45B | $1.03B | $273.1M | $9.1M | 0.70% | 3.26% | 0.63% | 116,191 |
| Q2 2025 | $1.74B | $1.48B | $993.4M | $271.0M | $7.0M | 0.80% | 3.15% | 0.60% | 114,909 |
| Q1 2025 | $1.72B | $1.45B | $961.8M | $267.2M | $3.2M | 0.74% | 3.05% | 0.41% | 110,471 |
| Q4 2024 | $1.68B | $1.42B | $946.5M | $264.2M | $8.5M | 0.51% | 2.83% | 0.59% | 107,813 |
| Q3 2024 | $1.66B | $1.41B | $927.1M | $261.9M | $6.2M | 0.50% | 2.81% | 0.50% | 106,996 |
| Q2 2024 | $1.67B | $1.43B | $883.0M | $260.3M | $4.7M | 0.56% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.71% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 6.3% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 105,613 |
Loan mix (Q1 2026): real estate $532.1M · commercial $0 · consumer $536.4M · securities $295.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 73.0% | 41th |
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.