| Metric | Honor Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.1% | -0.2 pts |
| Share growth (YoY) | +5.0% | +4.9% | +0.2 pts |
| Loan growth (YoY) | +2.4% | +5.4% | -3.1 pts |
| ROA | 0.72% | 0.71% | +0.0 pts |
| ROE | 6.0% | 6.3% | -0.2 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.86B | $1.61B | $1.36B | $224.2M | $3.4M | 0.72% | 4.04% | 0.84% | 105,279 |
| Q4 2025 | $1.81B | $1.55B | $1.37B | $220.8M | $15.2M | 0.84% | 4.22% | 1.18% | 105,536 |
| Q3 2025 | $1.79B | $1.53B | $1.38B | $217.7M | $10.8M | 0.81% | 4.19% | 0.92% | 107,343 |
| Q2 2025 | $1.79B | $1.54B | $1.35B | $214.3M | $7.3M | 0.82% | 4.08% | 0.87% | 107,263 |
| Q1 2025 | $1.78B | $1.54B | $1.33B | $210.8M | $3.9M | 0.88% | 4.01% | 0.75% | 107,305 |
| Q4 2024 | $1.71B | $1.47B | $1.32B | $206.9M | $16.4M | 0.96% | 4.03% | 1.03% | 107,377 |
| Q3 2024 | $1.71B | $1.47B | $1.31B | $203.0M | $11.3M | 0.88% | 3.96% | 1.14% | 107,471 |
| Q2 2024 | $1.70B | $1.45B | $1.32B | $199.1M | $7.3M | 0.87% | 3.93% |
| Ratio | Honor Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.71% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.3% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.19% |
| 107,509 |
Loan mix (Q1 2026): real estate $719.9M · commercial $242.2M · consumer $337.7M · securities $251.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 73.0% | 78th |
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 | Honor Credit Union | 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 | Honor Credit Union | 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 | Honor Credit Union | 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 | Honor Credit Union | 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.