| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.7 pts |
| Share growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Loan growth (YoY) | +2.6% | +5.4% | -2.8 pts |
| ROA | 0.83% | 0.71% | +0.1 pts |
| ROE | 7.0% | 6.3% | +0.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.06B | $866.9M | $719.9M | $124.8M | $2.2M | 0.83% | 3.30% | 0.15% | 64,342 |
| Q4 2025 | $1.03B | $840.2M | $716.3M | $122.6M | $7.9M | 0.77% | 3.27% | 0.27% | 64,497 |
| Q3 2025 | $1.02B | $834.3M | $707.1M | $121.0M | $5.7M | 0.75% | 3.25% | 0.31% | 64,940 |
| Q2 2025 | $1.02B | $839.9M | $707.7M | $119.1M | $3.8M | 0.74% | 3.21% | 0.18% | 65,353 |
| Q1 2025 | $1.03B | $856.0M | $701.5M | $116.6M | $1.4M | 0.53% | 3.04% | 0.21% | 65,516 |
| Q4 2024 | $984.1M | $816.7M | $705.2M | $113.8M | $7.2M | 0.74% | 3.02% | 0.30% | 64,803 |
| Q3 2024 | $968.9M | $796.1M | $697.6M | $111.5M | $4.3M | 0.60% | 3.03% | 0.31% | 65,249 |
| Q2 2024 | $958.0M | $794.3M | $694.7M | $110.1M | $3.0M | 0.62% | 3.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.71% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 6.3% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 65,955 |
Loan mix (Q1 2026): real estate $323.4M · commercial $136.9M · consumer $250.9M · securities $175.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 73.0% | 75th |
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.