| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +5.1% | +5.7 pts |
| Share growth (YoY) | +10.8% | +4.9% | +5.9 pts |
| Loan growth (YoY) | +11.1% | +5.4% | +5.7 pts |
| ROA | 0.91% | 0.71% | +0.2 pts |
| ROE | 7.8% | 6.3% | +1.5 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.64B | $1.34B | $1.17B | $191.7M | $3.7M | 0.91% | 4.02% | 0.59% | 80,867 |
| Q4 2025 | $1.59B | $1.30B | $1.15B | $188.0M | $16.2M | 1.02% | 3.93% | 0.71% | 80,502 |
| Q3 2025 | $1.54B | $1.24B | $1.13B | $184.6M | $11.6M | 1.00% | 3.99% | 0.54% | 83,014 |
| Q2 2025 | $1.51B | $1.23B | $1.10B | $179.7M | $6.7M | 0.88% | 3.92% | 0.44% | 82,199 |
| Q1 2025 | $1.48B | $1.21B | $1.05B | $175.7M | $2.7M | 0.72% | 3.84% | 0.50% | 81,260 |
| Q4 2024 | $1.41B | $1.14B | $986.9M | $173.1M | $12.0M | 0.85% | 3.77% | 0.67% | 80,417 |
| Q3 2024 | $1.39B | $1.13B | $940.5M | $172.3M | $9.9M | 0.95% | 3.78% | 0.66% | 81,195 |
| Q2 2024 | $1.37B | $1.13B | $915.9M | $168.8M | $6.5M | 0.95% | 3.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.71% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.3% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 81,022 |
Loan mix (Q1 2026): real estate $273.5M · commercial $299.3M · consumer $364.7M · securities $234.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 73.0% | 38th |
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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