| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.1% | +5.1% | +13.9 pts |
| Share growth (YoY) | +20.9% | +4.9% | +16.1 pts |
| Loan growth (YoY) | +10.5% | +5.4% | +5.0 pts |
| ROA | 0.33% | 0.71% | -0.4 pts |
| ROE | 3.2% | 6.3% | -3.1 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.19B | $1.93B | $1.65B | $227.1M | $1.8M | 0.33% | 3.21% | 0.59% | 96,606 |
| Q4 2025 | $2.21B | $1.95B | $1.64B | $220.1M | $2.3M | 0.10% | 2.66% | 0.74% | 105,804 |
| Q3 2025 | $1.84B | $1.61B | $1.46B | $219.0M | $5.1M | 0.37% | 3.18% | 0.56% | 102,784 |
| Q2 2025 | $1.84B | $1.60B | $1.47B | $217.0M | $3.1M | 0.33% | 3.16% | 0.63% | 102,716 |
| Q1 2025 | $1.84B | $1.60B | $1.50B | $214.9M | $962K | 0.21% | 3.14% | 0.48% | 102,714 |
| Q4 2024 | $1.82B | $1.56B | $1.54B | $213.9M | $2.3M | 0.13% | 3.28% | 1.56% | 102,487 |
| Q3 2024 | $1.81B | $1.56B | $1.54B | $214.6M | $3.0M | 0.22% | 3.27% | 1.33% | 102,259 |
| Q2 2024 | $1.83B | $1.58B | $1.54B | $218.0M | $6.4M | 0.70% | 3.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.71% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 6.3% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.20% |
| 101,235 |
Loan mix (Q1 2026): real estate $1.15B · commercial $220.9M · consumer $278.8M · securities $298.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 73.0% | 96th |
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.