| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.1% | +0.3 pts |
| Share growth (YoY) | +8.2% | +4.9% | +3.3 pts |
| Loan growth (YoY) | +8.9% | +5.4% | +3.5 pts |
| ROA | 1.35% | 0.71% | +0.6 pts |
| ROE | 10.3% | 6.3% | +4.0 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.66B | $3.79B | $3.73B | $609.0M | $15.7M | 1.35% | 4.48% | 0.99% | 444,307 |
| Q4 2025 | $4.58B | $3.61B | $3.72B | $593.3M | $59.7M | 1.30% | 4.49% | 1.30% | 441,513 |
| Q3 2025 | $4.43B | $3.59B | $3.61B | $584.2M | $46.2M | 1.39% | 4.53% | 1.13% | 439,679 |
| Q2 2025 | $4.42B | $3.53B | $3.51B | $566.0M | $28.0M | 1.27% | 4.45% | 1.05% | 435,429 |
| Q1 2025 | $4.42B | $3.51B | $3.42B | $551.5M | $13.6M | 1.23% | 4.35% | 1.07% | 439,227 |
| Q4 2024 | $4.34B | $3.29B | $3.39B | $537.9M | $49.6M | 1.14% | 4.22% | 1.12% | 436,123 |
| Q3 2024 | $4.34B | $3.37B | $3.29B | $536.8M | $44.0M | 1.35% | 4.14% | 1.00% | 434,559 |
| Q2 2024 | $4.36B | $3.38B | $3.29B | $517.5M | $24.7M | 1.13% | 4.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.71% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.3% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 431,420 |
Loan mix (Q1 2026): real estate $669.1M · commercial $514.2M · consumer $2.51B · securities $459.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 73.0% | 17th |
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.