| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.8% | -0.5 pts |
| Share growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | -9.9% | +4.3% | -14.2 pts |
| ROA | 1.69% | 0.62% | +1.1 pts |
| ROE | 13.6% | 5.9% | +7.6 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $682.8M | $594.2M | $389.9M | $85.0M | $2.9M | 1.69% | 2.95% | 0.55% | 35,348 |
| Q4 2025 | $665.8M | $579.6M | $389.9M | $82.1M | $6.7M | 1.01% | 2.73% | 0.63% | 35,799 |
| Q3 2025 | $663.9M | $578.9M | $405.0M | $81.6M | $5.3M | 1.07% | 2.92% | 0.72% | 36,381 |
| Q2 2025 | $659.8M | $576.7M | $420.4M | $79.5M | $3.3M | 0.99% | 2.89% | 0.63% | 36,791 |
| Q1 2025 | $655.1M | $574.8M | $432.7M | $77.7M | $1.5M | 0.90% | 2.79% | 0.56% | 36,932 |
| Q4 2024 | $645.7M | $557.3M | $434.4M | $76.2M | $6.0M | 0.92% | 2.59% | 0.80% | 37,192 |
| Q3 2024 | $620.6M | $531.4M | $431.2M | $76.8M | $5.6M | 1.21% | 2.87% | 0.75% | 39,325 |
| Q2 2024 | $616.3M | $514.0M | $428.1M | $74.9M | $3.7M | 1.20% | 2.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.62% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 39,394 |
Loan mix (Q1 2026): real estate $186.0M · commercial $47.0M · consumer $135.0M · securities $118.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 78.3% | 5th |
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.