| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.1% | +2.8 pts |
| Share growth (YoY) | +3.0% | +4.9% | -1.8 pts |
| Loan growth (YoY) | +5.9% | +5.4% | +0.4 pts |
| ROA | 0.90% | 0.71% | +0.2 pts |
| ROE | 11.1% | 6.3% | +4.8 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 | $2.96B | $2.08B | $2.26B | $239.0M | $6.6M | 0.90% | 2.85% | 0.40% | 186,819 |
| Q4 2025 | $2.98B | $2.07B | $2.10B | $232.4M | $18.0M | 0.60% | 2.79% | 0.48% | 182,310 |
| Q3 2025 | $2.87B | $2.03B | $2.26B | $231.5M | $14.7M | 0.68% | 2.83% | 0.58% | 176,970 |
| Q2 2025 | $2.66B | $2.01B | $2.05B | $227.9M | $11.1M | 0.83% | 2.95% | 0.60% | 171,304 |
| Q1 2025 | $2.74B | $2.02B | $2.13B | $216.9M | $109K | 0.02% | 2.82% | 0.53% | 173,985 |
| Q4 2024 | $2.56B | $1.99B | $1.96B | $217.4M | $11.8M | 0.46% | 2.46% | 0.63% | 169,280 |
| Q3 2024 | $2.42B | $1.96B | $1.84B | $217.3M | $9.3M | 0.51% | 2.49% | 0.71% | 165,959 |
| Q2 2024 | $2.43B | $1.97B | $1.78B | $215.3M | $7.3M | 0.61% | 2.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.71% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 6.3% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 163,434 |
Loan mix (Q1 2026): real estate $675.8M · commercial $262.0M · consumer $1.23B · securities $382.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 73.0% | 55th |
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.