| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.1% | -0.8 pts |
| Share growth (YoY) | +4.0% | +4.9% | -0.8 pts |
| Loan growth (YoY) | +3.9% | +5.4% | -1.6 pts |
| ROA | 0.74% | 0.71% | +0.0 pts |
| ROE | 7.4% | 6.3% | +1.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.12B | $998.6M | $1.03B | $111.2M | $2.1M | 0.74% | 4.85% | 0.81% | 64,151 |
| Q4 2025 | $1.10B | $976.7M | $1.03B | $109.1M | $7.8M | 0.71% | 4.48% | 0.93% | 63,773 |
| Q3 2025 | $1.09B | $957.6M | $1.02B | $107.3M | $6.0M | 0.74% | 4.45% | 0.85% | 63,579 |
| Q2 2025 | $1.08B | $965.9M | $1.00B | $105.1M | $3.8M | 0.71% | 4.42% | 0.76% | 63,241 |
| Q1 2025 | $1.07B | $960.0M | $993.0M | $103.1M | $1.8M | 0.67% | 4.31% | 0.62% | 62,775 |
| Q4 2024 | $1.06B | $918.2M | $999.3M | $101.3M | $7.7M | 0.73% | 3.98% | 1.02% | 62,395 |
| Q3 2024 | $1.06B | $891.1M | $996.4M | $100.5M | $6.9M | 0.86% | 3.91% | 0.74% | 62,132 |
| Q2 2024 | $1.03B | $910.6M | $982.0M | $97.4M | $3.8M | 0.73% | 3.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.71% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 6.3% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 61,644 |
Loan mix (Q1 2026): real estate $419.9M · commercial $125.8M · consumer $412.5M · securities $611K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 73.0% | 30th |
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.