| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.8% | +1.0 pts |
| Share growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +12.5% | +4.3% | +8.2 pts |
| ROA | 0.45% | 0.62% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $852.9M | $718.4M | $634.7M | $101.9M | $952K | 0.45% | 4.47% | 0.75% | 54,726 |
| Q4 2025 | $832.1M | $696.0M | $630.3M | $101.0M | $8.4M | 1.01% | 4.32% | 0.79% | 54,362 |
| Q3 2025 | $812.3M | $684.5M | $607.3M | $98.9M | $6.3M | 1.03% | 4.30% | 0.56% | 53,979 |
| Q2 2025 | $808.5M | $682.2M | $582.7M | $96.1M | $3.5M | 0.87% | 4.23% | 0.56% | 53,514 |
| Q1 2025 | $806.8M | $680.2M | $564.3M | $93.9M | $1.1M | 0.53% | 4.11% | 0.52% | 54,044 |
| Q4 2024 | $772.9M | $632.3M | $546.4M | $90.1M | $6.8M | 0.88% | 3.88% | 0.84% | 50,707 |
| Q3 2024 | $773.4M | $630.2M | $544.4M | $88.4M | $5.1M | 0.88% | 3.84% | 0.69% | 50,741 |
| Q2 2024 | $757.1M | $621.5M | $536.1M | $86.6M | $3.3M | 0.86% | 3.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.62% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.62% |
| 50,421 |
Loan mix (Q1 2026): real estate $249.5M · commercial $107.6M · consumer $240.3M · securities $118.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.3% | 63th |
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.