| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.8% | +0.5 pts |
| Share growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +0.3% | +4.3% | -4.0 pts |
| ROA | 1.04% | 0.62% | +0.4 pts |
| ROE | 6.4% | 5.9% | +0.4 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $999.5M | $865.7M | $472.5M | $163.7M | $2.6M | 1.04% | 2.89% | 0.50% | 33,086 |
| Q4 2025 | $989.2M | $855.5M | $477.3M | $161.1M | $9.8M | 0.99% | 2.63% | 0.58% | 32,650 |
| Q3 2025 | $965.1M | $837.9M | $473.0M | $160.3M | $7.5M | 1.03% | 2.61% | 0.64% | 32,077 |
| Q2 2025 | $959.9M | $840.4M | $469.8M | $156.9M | $4.1M | 0.86% | 2.52% | 0.57% | 31,651 |
| Q1 2025 | $949.3M | $836.9M | $470.9M | $154.4M | $1.6M | 0.67% | 2.41% | 0.51% | 31,621 |
| Q4 2024 | $927.4M | $825.0M | $472.5M | $152.8M | $7.0M | 0.76% | 2.29% | 0.63% | 31,422 |
| Q3 2024 | $928.6M | $819.7M | $466.5M | $152.8M | $5.4M | 0.77% | 2.25% | 0.63% | 31,201 |
| Q2 2024 | $909.8M | $813.1M | $468.0M | $150.8M | $3.3M | 0.73% | 2.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.62% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 31,157 |
Loan mix (Q1 2026): real estate $108.1M · commercial $0 · consumer $338.4M · securities $380.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 78.3% | 7th |
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.