| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.1% | -3.9 pts |
| Share growth (YoY) | +10.4% | +4.9% | +5.6 pts |
| Loan growth (YoY) | +1.7% | +5.4% | -3.7 pts |
| ROA | 0.77% | 0.71% | +0.1 pts |
| ROE | 5.0% | 6.3% | -1.3 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.26B | $1.06B | $876.5M | $195.9M | $2.4M | 0.77% | 3.40% | 0.58% | 61,066 |
| Q4 2025 | $1.26B | $1.04B | $878.2M | $194.7M | $6.6M | 0.53% | 3.10% | 0.90% | 60,776 |
| Q3 2025 | $1.26B | $1.03B | $880.8M | $192.5M | $4.4M | 0.47% | 3.02% | 0.84% | 61,416 |
| Q2 2025 | $1.23B | $981.1M | $876.8M | $190.4M | $2.4M | 0.38% | 3.03% | 0.81% | 60,523 |
| Q1 2025 | $1.24B | $959.8M | $861.7M | $189.5M | $1.4M | 0.47% | 2.91% | 0.53% | 60,452 |
| Q4 2024 | $1.22B | $911.9M | $862.0M | $189.4M | $7.0M | 0.58% | 2.54% | 0.76% | 60,289 |
| Q3 2024 | $1.28B | $920.1M | $892.5M | $186.6M | $4.2M | 0.44% | 2.30% | 0.58% | 59,676 |
| Q2 2024 | $1.27B | $966.9M | $885.9M | $185.0M | $2.6M | 0.41% | 2.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.71% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 58,003 |
Loan mix (Q1 2026): real estate $471.3M · commercial $3K · consumer $371.1M · securities $252.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 73.0% | 27th |
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.