| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.1% | -1.5 pts |
| Share growth (YoY) | +4.1% | +4.9% | -0.8 pts |
| Loan growth (YoY) | +2.3% | +5.4% | -3.1 pts |
| ROA | 0.80% | 0.71% | +0.1 pts |
| ROE | 6.3% | 6.3% | -0.0 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.71B | $1.45B | $1.33B | $217.5M | $3.4M | 0.80% | 3.56% | 1.15% | 106,155 |
| Q4 2025 | $1.67B | $1.42B | $1.33B | $214.1M | $17.8M | 1.06% | 3.45% | 1.53% | 105,601 |
| Q3 2025 | $1.65B | $1.40B | $1.33B | $205.1M | $8.1M | 0.65% | 3.44% | 1.57% | 106,182 |
| Q2 2025 | $1.63B | $1.39B | $1.31B | $201.2M | $4.2M | 0.52% | 3.42% | 1.37% | 105,674 |
| Q1 2025 | $1.65B | $1.39B | $1.30B | $199.1M | $2.1M | 0.51% | 3.28% | 0.89% | 104,841 |
| Q4 2024 | $1.61B | $1.37B | $1.31B | $197.0M | $4.7M | 0.29% | 3.07% | 1.16% | 104,052 |
| Q3 2024 | $1.63B | $1.36B | $1.32B | $196.3M | $3.4M | 0.27% | 2.97% | 0.99% | 104,350 |
| Q2 2024 | $1.62B | $1.36B | $1.31B | $195.0M | $2.0M | 0.25% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.71% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.3% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 103,530 |
Loan mix (Q1 2026): real estate $904.5M · commercial $97.2M · consumer $310.5M · securities $234.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 73.0% | 66th |
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.