| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.8% | +4.0 pts |
| Share growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| ROA | 1.00% | 0.62% | +0.4 pts |
| ROE | 9.5% | 5.9% | +3.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $838.4M | $747.0M | $603.1M | $88.5M | $2.1M | 1.00% | 3.45% | 0.29% | 50,929 |
| Q4 2025 | $805.3M | $714.6M | $596.8M | $86.4M | $7.0M | 0.87% | 3.24% | 0.53% | 50,375 |
| Q3 2025 | $787.5M | $698.7M | $589.5M | $84.0M | $4.6M | 0.78% | 3.23% | 0.33% | 49,934 |
| Q2 2025 | $785.6M | $700.9M | $580.6M | $82.1M | $2.7M | 0.69% | 3.13% | 0.35% | 49,632 |
| Q1 2025 | $770.9M | $689.7M | $569.5M | $80.8M | $1.4M | 0.73% | 3.10% | 0.28% | 48,806 |
| Q4 2024 | $747.7M | $667.6M | $560.6M | $79.4M | $5.7M | 0.76% | 3.00% | 0.30% | 48,176 |
| Q3 2024 | $732.2M | $653.1M | $552.8M | $77.7M | $4.0M | 0.73% | 3.00% | 0.27% | 47,746 |
| Q2 2024 | $728.0M | $649.4M | $546.3M | $76.2M | $2.5M | 0.68% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.62% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 47,287 |
Loan mix (Q1 2026): real estate $245.9M · commercial $75.9M · consumer $257.0M · securities $181.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 78.3% | 25th |
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.