| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.1% | +3.1 pts |
| Share growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Loan growth (YoY) | +8.5% | +5.4% | +3.1 pts |
| ROA | 0.71% | 0.71% | +0.0 pts |
| ROE | 5.9% | 6.3% | -0.4 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.06B | $2.05B | $1.23B | $370.6M | $5.4M | 0.71% | 1.58% | 0.21% | 44,883 |
| Q4 2025 | $2.97B | $2.01B | $1.22B | $365.1M | $18.5M | 0.62% | 1.38% | 0.26% | 44,625 |
| Q3 2025 | $2.93B | $1.98B | $1.17B | $359.8M | $13.2M | 0.60% | 1.36% | 0.26% | 44,421 |
| Q2 2025 | $2.87B | $1.95B | $1.17B | $355.7M | $9.1M | 0.64% | 1.36% | 0.21% | 44,154 |
| Q1 2025 | $2.83B | $1.92B | $1.13B | $351.1M | $4.5M | 0.64% | 1.30% | 0.11% | 44,176 |
| Q4 2024 | $2.69B | $1.86B | $1.08B | $346.6M | $17.7M | 0.66% | 1.20% | 0.20% | 43,906 |
| Q3 2024 | $2.69B | $1.82B | $1.06B | $343.0M | $14.1M | 0.70% | 1.17% | 0.08% | 46,363 |
| Q2 2024 | $2.62B | $1.79B | $1.05B | $339.1M | $10.2M | 0.78% | 1.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.71% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.3% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.58% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 46,145 |
Loan mix (Q1 2026): real estate $1.05B · commercial $0 · consumer $166.6M · securities $1.59B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 73.0% | 2th |
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.