| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.8% | +0.1 pts |
| Share growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +5.0% | +4.3% | +0.6 pts |
| ROA | 0.90% | 0.62% | +0.3 pts |
| ROE | 7.6% | 5.9% | +1.7 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 | $972.5M | $853.3M | $722.7M | $115.5M | $2.2M | 0.90% | 3.28% | 0.26% | 48,359 |
| Q4 2025 | $963.1M | $846.3M | $721.4M | $113.3M | $13.4M | 1.40% | 3.26% | 0.56% | 48,272 |
| Q3 2025 | $945.4M | $831.0M | $714.0M | $109.8M | $10.0M | 1.41% | 3.25% | 0.72% | 48,224 |
| Q2 2025 | $933.2M | $823.5M | $696.2M | $105.8M | $5.8M | 1.24% | 3.24% | 0.51% | 47,908 |
| Q1 2025 | $927.1M | $821.0M | $688.6M | $102.3M | $2.3M | 0.98% | 3.23% | 0.36% | 47,216 |
| Q4 2024 | $916.7M | $813.0M | $689.2M | $100.0M | $12.0M | 1.31% | 3.06% | 0.46% | 46,948 |
| Q3 2024 | $919.5M | $818.3M | $670.7M | $96.8M | $8.7M | 1.27% | 3.00% | 0.42% | 46,738 |
| Q2 2024 | $873.7M | $776.2M | $657.0M | $93.7M | $5.4M | 1.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.62% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.09% |
| 0.32% |
| 46,109 |
Loan mix (Q1 2026): real estate $319.7M · commercial $102.3M · consumer $243.9M · securities $59.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 78.3% | 18th |
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.