| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.1% | +2.1 pts |
| Share growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Loan growth (YoY) | +1.4% | +5.4% | -4.1 pts |
| ROA | 0.74% | 0.71% | +0.0 pts |
| ROE | 6.3% | 6.3% | +0.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.11B | $990.4M | $588.3M | $129.7M | $2.0M | 0.74% | 2.15% | 0.61% | 51,839 |
| Q4 2025 | $1.10B | $985.3M | $591.8M | $127.7M | $5.8M | 0.53% | 1.88% | 0.08% | 52,228 |
| Q3 2025 | $1.04B | $932.0M | $591.9M | $127.5M | $5.4M | 0.69% | 1.94% | 0.54% | 52,883 |
| Q2 2025 | $994.7M | $885.0M | $586.6M | $125.9M | $3.8M | 0.76% | 1.96% | 0.64% | 53,150 |
| Q1 2025 | $1.03B | $926.1M | $580.5M | $122.9M | $823K | 0.32% | 1.79% | 0.15% | 53,674 |
| Q4 2024 | $1.02B | $925.3M | $584.0M | $122.1M | $4.2M | 0.41% | 1.67% | 0.22% | 54,129 |
| Q3 2024 | $963.6M | $859.8M | $584.3M | $123.1M | $4.6M | 0.64% | 1.79% | 0.18% | 54,397 |
| Q2 2024 | $937.6M | $840.1M | $578.1M | $122.4M | $3.9M | 0.82% | 1.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.71% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.3% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 54,621 |
Loan mix (Q1 2026): real estate $550.9M · commercial $4.4M · consumer $32.4M · securities $352.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 73.0% | 49th |
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.