| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.8% | +4.5 pts |
| Share growth (YoY) | +9.2% | +4.3% | +4.9 pts |
| Loan growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| ROA | 0.85% | 0.62% | +0.2 pts |
| ROE | 7.4% | 5.9% | +1.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $621.7M | $547.1M | $317.5M | $71.5M | $1.3M | 0.85% | 3.33% | 0.44% | 43,222 |
| Q4 2025 | $608.2M | $533.9M | $319.3M | $70.2M | $8.3M | 1.37% | 3.25% | 0.47% | 42,772 |
| Q3 2025 | $591.3M | $520.0M | $317.0M | $68.1M | $6.2M | 1.41% | 3.28% | 0.44% | 42,498 |
| Q2 2025 | $580.3M | $510.6M | $308.2M | $65.2M | $3.3M | 1.14% | 3.26% | 0.40% | 41,955 |
| Q1 2025 | $568.8M | $501.2M | $301.0M | $63.4M | $1.5M | 1.03% | 3.22% | 0.33% | 41,506 |
| Q4 2024 | $548.8M | $482.7M | $295.6M | $61.9M | $6.9M | 1.27% | 3.25% | 0.42% | 40,975 |
| Q3 2024 | $537.3M | $473.4M | $289.4M | $60.2M | $5.3M | 1.31% | 3.29% | 0.34% | 40,405 |
| Q2 2024 | $526.8M | $464.1M | $285.6M | $58.1M | $3.1M | 1.19% | 3.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.62% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 39,765 |
Loan mix (Q1 2026): real estate $167.1M · commercial $2.1M · consumer $131.8M · securities $206.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 78.3% | 48th |
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.