| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.1% | +4.0 pts |
| Share growth (YoY) | +8.0% | +4.9% | +3.1 pts |
| Loan growth (YoY) | +6.6% | +5.4% | +1.1 pts |
| ROA | 0.37% | 0.71% | -0.3 pts |
| ROE | 2.2% | 6.3% | -4.1 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.42B | $1.17B | $884.5M | $238.6M | $1.3M | 0.37% | 3.32% | 0.43% | 80,539 |
| Q4 2025 | $1.36B | $1.13B | $867.5M | $238.5M | $2.8M | 0.20% | 3.20% | 0.52% | 77,416 |
| Q3 2025 | $1.33B | $1.10B | $862.9M | $234.8M | $1.5M | 0.16% | 3.23% | 0.43% | 77,094 |
| Q2 2025 | $1.32B | $1.10B | $844.5M | $234.4M | $1.1M | 0.17% | 3.18% | 0.35% | 75,760 |
| Q1 2025 | $1.30B | $1.09B | $830.0M | $231.6M | $704K | 0.22% | 3.16% | 0.24% | 73,168 |
| Q4 2024 | $1.25B | $1.04B | $807.3M | $230.9M | $1.9M | 0.16% | 3.05% | 0.39% | 71,814 |
| Q3 2024 | $1.26B | $1.04B | $784.2M | $230.0M | $1.1M | 0.11% | 2.99% | 0.30% | 71,085 |
| Q2 2024 | $1.26B | $1.05B | $748.0M | $229.6M | $657K | 0.10% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.71% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 6.3% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 68,711 |
Loan mix (Q1 2026): real estate $492.3M · commercial $0 · consumer $378.1M · securities $322.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 73.0% | 67th |
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.