| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Share growth (YoY) | +3.3% | +4.9% | -1.5 pts |
| Loan growth (YoY) | -0.5% | +5.4% | -5.9 pts |
| ROA | 0.71% | 0.71% | +0.0 pts |
| ROE | 7.0% | 6.3% | +0.7 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 | $1.63B | $1.45B | $1.26B | $166.2M | $2.9M | 0.71% | 4.19% | 0.47% | 98,481 |
| Q4 2025 | $1.59B | $1.42B | $1.22B | $163.3M | $4.1M | 0.26% | 4.33% | 0.55% | 98,504 |
| Q3 2025 | $1.59B | $1.41B | $1.20B | $160.8M | $1.6M | 0.14% | 4.32% | 0.58% | 99,291 |
| Q2 2025 | $1.59B | $1.42B | $1.23B | $157.0M | $-2.1M | -0.27% | 4.29% | 0.49% | 99,396 |
| Q1 2025 | $1.57B | $1.40B | $1.27B | $157.7M | $-3.5M | -0.88% | 4.24% | 0.53% | 99,843 |
| Q4 2024 | $1.60B | $1.35B | $1.31B | $161.1M | $5.5M | 0.34% | 3.97% | 0.58% | 100,195 |
| Q3 2024 | $1.60B | $1.33B | $1.32B | $160.1M | $4.4M | 0.37% | 3.94% | 0.49% | 100,989 |
| Q2 2024 | $1.60B | $1.32B | $1.33B | $157.6M | $1.9M | 0.24% | 3.86% |
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 | 7.0% | 6.3% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 101,258 |
Loan mix (Q1 2026): real estate $356.4M · commercial $382.1M · consumer $488.2M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 73.0% | 29th |
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.