| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +5.1% | +6.0 pts |
| Share growth (YoY) | +10.8% | +4.9% | +6.0 pts |
| Loan growth (YoY) | +13.6% | +5.4% | +8.2 pts |
| ROA | 1.56% | 0.71% | +0.8 pts |
| ROE | 11.8% | 6.3% | +5.5 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.09B | $3.50B | $3.29B | $538.5M | $15.9M | 1.56% | 3.43% | 0.41% | 209,927 |
| Q4 2025 | $3.95B | $3.37B | $3.29B | $522.6M | $65.2M | 1.65% | 3.37% | 0.35% | 208,088 |
| Q3 2025 | $3.87B | $3.30B | $3.19B | $504.0M | $46.5M | 1.60% | 3.36% | 0.33% | 206,499 |
| Q2 2025 | $3.74B | $3.20B | $3.06B | $487.5M | $30.1M | 1.61% | 3.37% | 0.31% | 202,801 |
| Q1 2025 | $3.68B | $3.16B | $2.89B | $471.4M | $14.0M | 1.52% | 3.27% | 0.34% | 198,869 |
| Q4 2024 | $3.46B | $2.95B | $2.77B | $457.4M | $49.3M | 1.43% | 3.12% | 0.50% | 195,086 |
| Q3 2024 | $3.39B | $2.90B | $2.62B | $444.7M | $36.7M | 1.44% | 3.14% | 0.27% | 193,174 |
| Q2 2024 | $3.26B | $2.77B | $2.58B | $431.3M | $23.3M | 1.43% | 3.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.71% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 6.3% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 190,826 |
Loan mix (Q1 2026): real estate $1.20B · commercial $1.01B · consumer $947.1M · securities $178.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 73.0% | 12th |
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.