| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.1% | +1.3 pts |
| Share growth (YoY) | +5.7% | +4.9% | +0.9 pts |
| Loan growth (YoY) | +9.1% | +5.4% | +3.6 pts |
| ROA | 0.77% | 0.71% | +0.1 pts |
| ROE | 8.0% | 6.3% | +1.8 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.27B | $3.84B | $3.43B | $410.4M | $8.3M | 0.77% | 3.54% | 0.86% | 307,868 |
| Q4 2025 | $4.17B | $3.74B | $3.47B | $402.2M | $33.2M | 0.80% | 3.59% | 1.00% | 303,010 |
| Q3 2025 | $4.07B | $3.66B | $3.45B | $396.3M | $24.9M | 0.82% | 3.56% | 0.78% | 299,402 |
| Q2 2025 | $4.11B | $3.70B | $3.32B | $387.5M | $16.1M | 0.79% | 3.37% | 0.62% | 293,393 |
| Q1 2025 | $4.01B | $3.63B | $3.15B | $379.3M | $8.0M | 0.80% | 3.27% | 0.51% | 286,846 |
| Q4 2024 | $3.84B | $3.46B | $3.07B | $371.4M | $38.1M | 0.99% | 3.21% | 0.72% | 281,598 |
| Q3 2024 | $3.76B | $3.39B | $2.97B | $365.7M | $30.0M | 1.06% | 3.20% | 0.60% | 277,374 |
| Q2 2024 | $3.66B | $3.30B | $2.85B | $356.7M | $21.0M | 1.15% | 3.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.71% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 6.3% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 271,927 |
Loan mix (Q1 2026): real estate $1.76B · commercial $451.7M · consumer $1.14B · securities $327.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 73.0% | 27th |
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.