| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.1% | +1.0 pts |
| Share growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Loan growth (YoY) | +7.5% | +5.4% | +2.1 pts |
| ROA | 0.92% | 0.71% | +0.2 pts |
| ROE | 9.5% | 6.3% | +3.2 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.28B | $1.12B | $1.12B | $123.6M | $2.9M | 0.92% | 2.68% | 0.33% | 72,182 |
| Q4 2025 | $1.24B | $1.08B | $1.09B | $120.6M | $11.8M | 0.95% | 2.63% | 0.33% | 70,858 |
| Q3 2025 | $1.22B | $1.06B | $1.08B | $118.5M | $8.9M | 0.98% | 2.64% | 0.32% | 70,187 |
| Q2 2025 | $1.23B | $1.07B | $1.07B | $115.5M | $5.9M | 0.97% | 2.54% | 0.31% | 69,387 |
| Q1 2025 | $1.21B | $1.05B | $1.04B | $112.3M | $2.7M | 0.90% | 2.47% | 0.28% | 68,454 |
| Q4 2024 | $1.17B | $1.01B | $1.02B | $109.6M | $9.7M | 0.83% | 2.21% | 0.33% | 68,058 |
| Q3 2024 | $1.13B | $973.4M | $990.2M | $107.9M | $7.3M | 0.87% | 2.22% | 0.34% | 67,571 |
| Q2 2024 | $1.07B | $926.7M | $977.9M | $105.4M | $4.7M | 0.88% | 2.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.71% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 6.3% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 66,652 |
Loan mix (Q1 2026): real estate $429.4M · commercial $1.1M · consumer $676.7M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 73.0% | 33th |
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.