| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.1% | +0.4 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.3 pts |
| Loan growth (YoY) | -6.1% | +5.4% | -11.6 pts |
| ROA | 1.01% | 0.71% | +0.3 pts |
| ROE | 7.9% | 6.3% | +1.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.09B | $2.66B | $935.5M | $393.9M | $7.8M | 1.01% | 2.72% | 0.31% | 121,775 |
| Q4 2025 | $3.07B | $2.65B | $958.9M | $386.1M | $29.4M | 0.96% | 2.53% | 0.60% | 122,434 |
| Q3 2025 | $2.99B | $2.58B | $969.0M | $378.1M | $20.9M | 0.93% | 2.54% | 0.38% | 123,744 |
| Q2 2025 | $2.96B | $2.56B | $989.2M | $370.4M | $13.2M | 0.89% | 2.50% | 0.39% | 124,177 |
| Q1 2025 | $2.92B | $2.53B | $996.4M | $363.4M | $6.1M | 0.84% | 2.45% | 0.35% | 124,031 |
| Q4 2024 | $2.90B | $2.51B | $1.03B | $357.2M | $26.7M | 0.92% | 2.32% | 0.43% | 124,319 |
| Q3 2024 | $2.81B | $2.43B | $1.04B | $352.9M | $21.9M | 1.04% | 2.35% | 0.40% | 124,891 |
| Q2 2024 | $2.85B | $2.48B | $1.04B | $346.1M | $15.1M | 1.06% | 2.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.71% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 6.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 124,748 |
Loan mix (Q1 2026): real estate $358.2M · commercial $0 · consumer $540.9M · securities $1.41B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 73.0% | 23th |
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.