| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.8% | +0.9 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +22.4% | +4.3% | +18.1 pts |
| ROA | 0.27% | 0.62% | -0.3 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $952.6M | $820.7M | $647.1M | $106.1M | $648K | 0.27% | 3.67% | 0.66% | 56,289 |
| Q4 2025 | $952.2M | $808.5M | $641.2M | $105.4M | $776K | 0.08% | 3.43% | 1.28% | 58,129 |
| Q3 2025 | $889.3M | $777.1M | $577.8M | $107.7M | $980K | 0.15% | 3.61% | 1.35% | 59,008 |
| Q2 2025 | $920.6M | $793.9M | $553.7M | $106.9M | $276K | 0.06% | 3.34% | 1.10% | 60,309 |
| Q1 2025 | $901.4M | $783.3M | $528.6M | $96.4M | $131K | 0.06% | 3.20% | 0.94% | 58,212 |
| Q4 2024 | $883.6M | $767.8M | $505.1M | $96.3M | $1.5M | 0.17% | 3.14% | 1.37% | 62,768 |
| Q3 2024 | $880.4M | $765.1M | $716.4M | $97.6M | $761K | 0.12% | 3.43% | 0.79% | 63,043 |
| Q2 2024 | $872.9M | $760.0M | $711.8M | $96.8M | $-26K | -0.01% | 3.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.62% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 63,401 |
Loan mix (Q1 2026): real estate $325.4M · commercial $46.6M · consumer $258.3M · securities $227.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 78.3% | 89th |
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.