| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.8% | +2.9 pts |
| Share growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +6.0% | +4.3% | +1.6 pts |
| ROA | 0.61% | 0.62% | -0.0 pts |
| ROE | 6.4% | 5.9% | +0.5 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $602.5M | $544.7M | $376.1M | $57.1M | $914K | 0.61% | 2.98% | 0.30% | 45,432 |
| Q4 2025 | $580.6M | $523.7M | $378.0M | $56.2M | $5.0M | 0.86% | 2.89% | 0.55% | 45,182 |
| Q3 2025 | $562.5M | $506.7M | $368.3M | $55.0M | $3.8M | 0.89% | 2.93% | 0.41% | 45,297 |
| Q2 2025 | $564.4M | $511.6M | $363.7M | $53.7M | $2.4M | 0.87% | 2.84% | 0.46% | 45,054 |
| Q1 2025 | $559.5M | $510.5M | $354.9M | $52.5M | $959K | 0.69% | 2.76% | 0.31% | 44,775 |
| Q4 2024 | $531.3M | $483.7M | $351.5M | $51.5M | $4.3M | 0.81% | 2.81% | 0.44% | 44,414 |
| Q3 2024 | $513.6M | $465.9M | $345.0M | $50.4M | $3.2M | 0.82% | 2.89% | 0.32% | 44,522 |
| Q2 2024 | $511.2M | $463.3M | $337.5M | $49.4M | $2.2M | 0.87% | 2.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.62% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 44,269 |
Loan mix (Q1 2026): real estate $174.4M · commercial $14.1M · consumer $177.5M · securities $83.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 78.3% | 74th |
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.