| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.2% | +5.1% | +10.0 pts |
| Share growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Loan growth (YoY) | +10.6% | +5.4% | +5.1 pts |
| ROA | 0.71% | 0.71% | +0.0 pts |
| ROE | 5.9% | 6.3% | -0.4 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.53B | $1.15B | $1.09B | $184.6M | $2.7M | 0.71% | 3.07% | 0.47% | 46,705 |
| Q4 2025 | $1.45B | $1.13B | $1.05B | $181.9M | $10.4M | 0.71% | 2.93% | 0.56% | 46,751 |
| Q3 2025 | $1.49B | $1.11B | $1.04B | $178.2M | $6.7M | 0.60% | 2.75% | 0.88% | 46,777 |
| Q2 2025 | $1.47B | $1.11B | $1.03B | $175.6M | $4.1M | 0.55% | 2.69% | 0.50% | 46,673 |
| Q1 2025 | $1.33B | $1.11B | $985.1M | $173.3M | $1.7M | 0.53% | 2.86% | 0.28% | 46,557 |
| Q4 2024 | $1.33B | $1.08B | $985.6M | $171.5M | $8.5M | 0.64% | 2.71% | 0.30% | 46,638 |
| Q3 2024 | $1.35B | $1.05B | $989.5M | $169.1M | $6.0M | 0.60% | 2.63% | 0.45% | 46,708 |
| Q2 2024 | $1.36B | $1.03B | $978.6M | $166.8M | $3.7M | 0.55% | 2.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.71% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.3% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 45,654 |
Loan mix (Q1 2026): real estate $185.9M · commercial $724.7M · consumer $135.2M · securities $291.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 73.0% | 70th |
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.