| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.1% | +0.5 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Loan growth (YoY) | +3.3% | +5.4% | -2.2 pts |
| ROA | 0.89% | 0.71% | +0.2 pts |
| ROE | 6.6% | 6.3% | +0.3 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.82B | $1.56B | $1.25B | $244.7M | $4.1M | 0.89% | 3.68% | 0.82% | 120,234 |
| Q4 2025 | $1.79B | $1.53B | $1.24B | $240.7M | $22.7M | 1.27% | 3.68% | 0.83% | 119,597 |
| Q3 2025 | $1.76B | $1.50B | $1.24B | $237.6M | $18.8M | 1.43% | 3.71% | 0.85% | 120,092 |
| Q2 2025 | $1.73B | $1.48B | $1.24B | $230.6M | $11.8M | 1.36% | 3.68% | 0.67% | 119,680 |
| Q1 2025 | $1.73B | $1.48B | $1.21B | $223.6M | $4.8M | 1.10% | 3.66% | 0.63% | 118,960 |
| Q4 2024 | $1.70B | $1.46B | $1.20B | $218.8M | $12.3M | 0.73% | 3.34% | 0.78% | 118,361 |
| Q3 2024 | $1.70B | $1.46B | $1.20B | $216.0M | $8.5M | 0.67% | 3.28% | 0.69% | 118,991 |
| Q2 2024 | $1.65B | $1.43B | $1.20B | $212.6M | $5.2M | 0.63% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.71% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 6.3% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 118,490 |
Loan mix (Q1 2026): real estate $528.6M · commercial $174.5M · consumer $471.2M · securities $148.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 73.0% | 52th |
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.