| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.1% | +2.7 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.4 pts |
| Loan growth (YoY) | +14.0% | +5.4% | +8.5 pts |
| ROA | 0.54% | 0.71% | -0.2 pts |
| ROE | 5.3% | 6.3% | -0.9 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.22B | $1.04B | $967.8M | $122.9M | $1.6M | 0.54% | 3.34% | 0.52% | 73,982 |
| Q4 2025 | $1.19B | $1.02B | $921.7M | $121.2M | $6.6M | 0.55% | 3.17% | 0.57% | 72,472 |
| Q3 2025 | $1.15B | $986.7M | $889.5M | $119.5M | $4.5M | 0.52% | 3.19% | 0.66% | 71,850 |
| Q2 2025 | $1.12B | $978.5M | $875.8M | $117.6M | $2.6M | 0.46% | 3.16% | 0.56% | 71,095 |
| Q1 2025 | $1.13B | $997.8M | $849.1M | $116.0M | $979K | 0.35% | 3.01% | 0.55% | 75,086 |
| Q4 2024 | $1.10B | $976.0M | $828.7M | $115.0M | $5.1M | 0.46% | 3.02% | 0.78% | 69,573 |
| Q3 2024 | $1.12B | $949.1M | $812.9M | $113.8M | $3.8M | 0.45% | 2.93% | 0.90% | 69,143 |
| Q2 2024 | $1.11B | $936.5M | $791.0M | $112.1M | $2.2M | 0.39% | 2.91% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.71% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 69,115 |
Loan mix (Q1 2026): real estate $303.1M · commercial $132.0M · consumer $485.8M · securities $103.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 73.0% | 62th |
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.