| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Share growth (YoY) | +5.2% | +4.9% | +0.4 pts |
| Loan growth (YoY) | -3.5% | +5.4% | -8.9 pts |
| ROA | 1.77% | 0.71% | +1.1 pts |
| ROE | 9.1% | 6.3% | +2.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.08B | $873.2M | $418.8M | $210.9M | $4.8M | 1.77% | 3.26% | 0.63% | 88,783 |
| Q4 2025 | $1.05B | $846.5M | $422.9M | $206.1M | $21.4M | 2.04% | 3.32% | 0.70% | 88,624 |
| Q3 2025 | $1.04B | $840.4M | $426.9M | $200.2M | $15.6M | 2.00% | 3.33% | 0.67% | 88,747 |
| Q2 2025 | $1.02B | $834.4M | $432.1M | $195.2M | $10.3M | 2.01% | 3.32% | 0.55% | 88,796 |
| Q1 2025 | $1.01B | $829.7M | $433.7M | $189.6M | $4.7M | 1.86% | 3.28% | 0.58% | 88,612 |
| Q4 2024 | $974.8M | $803.1M | $438.9M | $185.0M | $20.5M | 2.10% | 3.38% | 0.69% | 88,574 |
| Q3 2024 | $964.9M | $794.4M | $448.6M | $179.4M | $14.9M | 2.05% | 3.40% | 0.53% | 88,846 |
| Q2 2024 | $959.1M | $795.8M | $454.3M | $174.8M | $10.0M | 2.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.71% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.3% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 3.39% |
| 0.47% |
| 88,929 |
Loan mix (Q1 2026): real estate $69.8M · commercial $793K · consumer $275.3M · securities $281.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 73.0% | 6th |
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.