| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.1% | +0.2 pts |
| Share growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +1.7% | +5.4% | -3.7 pts |
| ROA | 0.58% | 0.71% | -0.1 pts |
| ROE | 6.0% | 6.3% | -0.3 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.48B | $1.33B | $1.11B | $144.3M | $2.2M | 0.58% | 3.97% | 1.02% | 98,419 |
| Q4 2025 | $1.45B | $1.30B | $1.13B | $142.1M | $8.6M | 0.59% | 3.88% | 1.23% | 97,556 |
| Q3 2025 | $1.41B | $1.27B | $1.12B | $138.8M | $5.3M | 0.51% | 3.91% | 1.23% | 96,532 |
| Q2 2025 | $1.42B | $1.28B | $1.09B | $138.2M | $4.7M | 0.67% | 3.80% | 1.29% | 95,128 |
| Q1 2025 | $1.41B | $1.27B | $1.09B | $137.7M | $4.3M | 1.21% | 3.73% | 1.12% | 95,204 |
| Q4 2024 | $1.35B | $1.22B | $1.11B | $133.5M | $998K | 0.07% | 3.40% | 0.79% | 94,822 |
| Q3 2024 | $1.35B | $1.21B | $1.10B | $135.8M | $3.5M | 0.34% | 3.29% | 0.90% | 94,444 |
| Q2 2024 | $1.40B | $1.24B | $1.07B | $134.2M | $1.9M | 0.26% | 2.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.71% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.3% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 94,198 |
Loan mix (Q1 2026): real estate $558.9M · commercial $300.9M · consumer $233.2M · securities $141.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 73.0% | 51th |
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.