| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.7% | +5.1% | +23.6 pts |
| Share growth (YoY) | +32.6% | +4.9% | +27.8 pts |
| Loan growth (YoY) | +14.7% | +5.4% | +9.2 pts |
| ROA | 1.38% | 0.71% | +0.7 pts |
| ROE | 13.3% | 6.3% | +7.0 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.09B | $2.66B | $2.14B | $321.7M | $10.7M | 1.38% | 3.79% | 0.19% | 213,152 |
| Q4 2025 | $3.04B | $2.61B | $2.17B | $311.0M | $36.3M | 1.19% | 3.48% | 0.29% | 213,590 |
| Q3 2025 | $3.01B | $2.59B | $2.20B | $300.1M | $25.5M | 1.13% | 3.34% | 0.29% | 215,995 |
| Q2 2025 | $2.39B | $1.98B | $1.87B | $290.7M | $16.0M | 1.34% | 3.96% | 0.39% | 209,712 |
| Q1 2025 | $2.40B | $2.00B | $1.86B | $282.3M | $7.7M | 1.28% | 3.86% | 0.31% | 209,372 |
| Q4 2024 | $2.37B | $1.96B | $1.89B | $274.7M | $33.3M | 1.41% | 3.81% | 0.34% | 209,477 |
| Q3 2024 | $2.37B | $1.96B | $1.88B | $267.1M | $25.7M | 1.45% | 3.77% | 0.34% | 208,696 |
| Q2 2024 | $2.38B | $1.97B | $1.86B | $257.7M | $16.3M | 1.37% | 3.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.71% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 6.3% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 207,752 |
Loan mix (Q1 2026): real estate $416.3M · commercial $511.0M · consumer $1.14B · securities $79.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 73.0% | 31th |
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.