| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +5.1% | +0.6 pts |
| Share growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Loan growth (YoY) | +7.1% | +5.4% | +1.6 pts |
| ROA | 0.56% | 0.71% | -0.2 pts |
| ROE | 5.2% | 6.3% | -1.1 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.22B | $998.4M | $1.04B | $131.0M | $1.7M | 0.56% | 3.07% | 0.40% | 62,937 |
| Q4 2025 | $1.22B | $1.01B | $1.04B | $129.6M | $7.6M | 0.63% | 2.83% | 0.41% | 62,952 |
| Q3 2025 | $1.18B | $986.3M | $1.01B | $126.1M | $5.1M | 0.58% | 2.87% | 0.36% | 62,965 |
| Q2 2025 | $1.17B | $968.6M | $988.2M | $124.8M | $3.5M | 0.60% | 2.82% | 0.38% | 62,597 |
| Q1 2025 | $1.16B | $984.1M | $970.1M | $115.2M | $2.0M | 0.68% | 2.80% | 0.32% | 62,611 |
| Q4 2024 | $1.17B | $958.2M | $988.1M | $113.3M | $6.6M | 0.57% | 2.61% | 0.41% | 62,702 |
| Q3 2024 | $1.17B | $919.4M | $990.6M | $112.5M | $4.8M | 0.54% | 2.54% | 0.31% | 69,029 |
| Q2 2024 | $1.18B | $904.8M | $995.2M | $111.4M | $3.4M | 0.57% | 2.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.71% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.3% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 63,180 |
Loan mix (Q1 2026): real estate $290.7M · commercial $553.1M · consumer $193.2M · securities $39.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 73.0% | 87th |
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.