| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Share growth (YoY) | +6.0% | +4.9% | +1.2 pts |
| Loan growth (YoY) | +2.8% | +5.4% | -2.7 pts |
| ROA | 0.97% | 0.71% | +0.3 pts |
| ROE | 9.1% | 6.3% | +2.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.50B | $2.13B | $1.77B | $266.6M | $6.1M | 0.97% | 3.38% | 0.85% | 159,562 |
| Q4 2025 | $2.42B | $2.05B | $1.75B | $260.5M | $17.8M | 0.74% | 3.43% | 0.90% | 157,263 |
| Q3 2025 | $2.38B | $2.00B | $1.74B | $255.4M | $12.8M | 0.72% | 3.45% | 0.92% | 155,782 |
| Q2 2025 | $2.38B | $2.01B | $1.73B | $250.4M | $7.8M | 0.65% | 3.34% | 0.73% | 153,699 |
| Q1 2025 | $2.35B | $2.01B | $1.72B | $245.8M | $3.2M | 0.54% | 3.24% | 0.81% | 151,004 |
| Q4 2024 | $2.27B | $1.94B | $1.72B | $242.5M | $17.8M | 0.79% | 3.20% | 0.77% | 149,535 |
| Q3 2024 | $2.27B | $1.93B | $1.72B | $238.5M | $13.8M | 0.81% | 3.17% | 0.73% | 150,670 |
| Q2 2024 | $2.23B | $1.94B | $1.72B | $233.3M | $8.7M | 0.78% | 3.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.71% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.3% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 148,253 |
Loan mix (Q1 2026): real estate $986.1M · commercial $53.7M · consumer $604.0M · securities $381.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 73.0% | 28th |
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.