| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.5% | +5.1% | +13.3 pts |
| Share growth (YoY) | +19.3% | +4.9% | +14.4 pts |
| Loan growth (YoY) | +14.7% | +5.4% | +9.2 pts |
| ROA | 0.34% | 0.71% | -0.4 pts |
| ROE | 4.3% | 6.3% | -1.9 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.25B | $2.04B | $1.59B | $176.1M | $1.9M | 0.34% | 2.69% | 0.57% | 164,381 |
| Q4 2025 | $1.91B | $1.72B | $1.40B | $149.0M | $9.9M | 0.52% | 2.98% | 0.76% | 150,902 |
| Q3 2025 | $1.88B | $1.70B | $1.40B | $146.9M | $7.1M | 0.51% | 3.03% | 0.78% | 149,973 |
| Q2 2025 | $1.91B | $1.72B | $1.39B | $141.1M | $1.4M | 0.14% | 2.92% | 0.75% | 148,819 |
| Q1 2025 | $1.90B | $1.71B | $1.38B | $140.0M | $228K | 0.05% | 2.85% | 0.63% | 147,920 |
| Q4 2024 | $1.88B | $1.66B | $1.38B | $139.8M | $1.2M | 0.06% | 2.92% | 0.87% | 146,851 |
| Q3 2024 | $1.86B | $1.64B | $1.41B | $139.0M | $-292K | -0.02% | 2.95% | 0.69% | 151,927 |
| Q2 2024 | $1.88B | $1.64B | $1.41B | $138.4M | $-858K | -0.09% | 2.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.71% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.3% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 150,041 |
Loan mix (Q1 2026): real estate $987.6M · commercial $223.0M · consumer $342.0M · securities $362.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 73.0% | 91th |
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.