| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.8% | +5.8 pts |
| Share growth (YoY) | +12.4% | +4.3% | +8.1 pts |
| Loan growth (YoY) | +12.4% | +4.3% | +8.1 pts |
| ROA | 2.42% | 0.62% | +1.8 pts |
| ROE | 18.2% | 5.9% | +12.3 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $667.8M | $497.4M | $565.9M | $88.4M | $4.0M | 2.42% | 3.48% | 0.62% | 13,031 |
| Q4 2025 | $645.2M | $481.6M | $555.5M | $84.4M | $15.1M | 2.33% | 3.41% | 0.39% | 12,915 |
| Q3 2025 | $645.9M | $487.4M | $535.9M | $79.9M | $10.6M | 2.18% | 3.29% | 0.32% | 12,767 |
| Q2 2025 | $631.8M | $471.7M | $518.8M | $76.0M | $6.7M | 2.12% | 3.28% | 0.32% | 12,867 |
| Q1 2025 | $604.1M | $442.6M | $503.3M | $72.5M | $3.2M | 2.12% | 3.24% | 0.25% | 12,785 |
| Q4 2024 | $588.5M | $440.1M | $491.5M | $69.3M | $12.0M | 2.04% | 3.03% | 0.20% | 12,948 |
| Q3 2024 | $584.2M | $438.5M | $476.5M | $66.2M | $8.9M | 2.03% | 2.96% | 0.46% | 13,345 |
| Q2 2024 | $573.9M | $430.7M | $463.9M | $63.3M | $5.9M | 2.07% | 2.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | 0.62% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 13,157 |
Loan mix (Q1 2026): real estate $442.1M · commercial $65.1M · consumer $17.8M · securities $28.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.6% | 78.3% | 1th |
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.