| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.1% | -0.3 pts |
| Share growth (YoY) | +4.6% | +4.9% | -0.2 pts |
| Loan growth (YoY) | +8.2% | +5.4% | +2.8 pts |
| ROA | 0.64% | 0.71% | -0.1 pts |
| ROE | 5.0% | 6.3% | -1.3 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.46B | $1.13B | $1.05B | $187.6M | $2.3M | 0.64% | 3.01% | 0.62% | 63,025 |
| Q4 2025 | $1.45B | $1.11B | $1.04B | $185.2M | $6.8M | 0.47% | 2.77% | 0.82% | 63,006 |
| Q3 2025 | $1.43B | $1.09B | $1.02B | $183.3M | $4.9M | 0.45% | 2.74% | 0.59% | 62,918 |
| Q2 2025 | $1.41B | $1.08B | $999.0M | $182.5M | $2.6M | 0.37% | 2.71% | 0.63% | 62,983 |
| Q1 2025 | $1.39B | $1.08B | $966.0M | $181.0M | $1.1M | 0.31% | 2.71% | 0.47% | 62,713 |
| Q4 2024 | $1.38B | $1.07B | $959.1M | $180.0M | $4.8M | 0.35% | 2.61% | 0.60% | 62,475 |
| Q3 2024 | $1.38B | $1.08B | $930.0M | $178.9M | $3.7M | 0.36% | 2.61% | 0.64% | 62,308 |
| Q2 2024 | $1.37B | $1.08B | $904.4M | $178.9M | $2.3M | 0.33% | 2.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.71% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 61,832 |
Loan mix (Q1 2026): real estate $430.1M · commercial $34.6M · consumer $438.2M · securities $253.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 73.0% | 56th |
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.