| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +5.1% | -2.2 pts |
| Share growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Loan growth (YoY) | +3.7% | +5.4% | -1.7 pts |
| ROA | 0.38% | 0.71% | -0.3 pts |
| ROE | 3.5% | 6.3% | -2.8 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.94B | $3.22B | $2.93B | $429.1M | $3.8M | 0.38% | 3.59% | 0.37% | 297,778 |
| Q4 2025 | $3.79B | $3.11B | $2.92B | $425.3M | $37.2M | 0.98% | 3.62% | 0.48% | 295,094 |
| Q3 2025 | $3.77B | $3.12B | $2.89B | $425.3M | $29.4M | 1.04% | 3.60% | 0.47% | 291,812 |
| Q2 2025 | $3.78B | $3.15B | $2.85B | $419.0M | $23.2M | 1.23% | 3.52% | 0.47% | 288,924 |
| Q1 2025 | $3.83B | $3.17B | $2.82B | $402.4M | $6.6M | 0.69% | 3.40% | 0.47% | 285,462 |
| Q4 2024 | $3.72B | $3.06B | $2.75B | $395.8M | $24.2M | 0.65% | 3.24% | 0.61% | 280,898 |
| Q3 2024 | $3.75B | $2.99B | $2.73B | $404.6M | $24.8M | 0.88% | 3.17% | 0.50% | 276,238 |
| Q2 2024 | $3.67B | $2.91B | $2.65B | $399.3M | $19.5M | 1.06% | 3.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.71% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 272,142 |
Loan mix (Q1 2026): real estate $1.01B · commercial $188.0M · consumer $1.71B · securities $525.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 73.0% | 45th |
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.