| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.8% | +0.8 pts |
| Share growth (YoY) | +3.7% | +4.3% | -0.6 pts |
| Loan growth (YoY) | +8.4% | +4.3% | +4.1 pts |
| ROA | 0.87% | 0.62% | +0.3 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $804.3M | $676.9M | $631.4M | $93.0M | $1.7M | 0.87% | 3.55% | 0.56% | 59,524 |
| Q4 2025 | $774.8M | $656.8M | $621.2M | $92.5M | $8.1M | 1.04% | 3.62% | 0.79% | 58,863 |
| Q3 2025 | $766.3M | $651.2M | $593.4M | $90.8M | $6.4M | 1.12% | 3.69% | 0.63% | 58,210 |
| Q2 2025 | $762.1M | $649.8M | $589.5M | $88.7M | $4.3M | 1.12% | 3.69% | 0.54% | 57,826 |
| Q1 2025 | $762.0M | $652.9M | $582.4M | $86.3M | $1.9M | 0.99% | 3.63% | 0.43% | 57,213 |
| Q4 2024 | $743.7M | $634.9M | $570.7M | $85.7M | $10.0M | 1.35% | 3.59% | 0.75% | 56,533 |
| Q3 2024 | $740.2M | $632.8M | $562.0M | $83.2M | $7.6M | 1.36% | 3.57% | 0.55% | 56,206 |
| Q2 2024 | $745.0M | $632.9M | $555.2M | $80.5M | $4.8M | 1.30% | 3.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.62% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 55,733 |
Loan mix (Q1 2026): real estate $223.2M · commercial $52.6M · consumer $350.7M · securities $45.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 78.3% | 31th |
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% |
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