| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.1% | -1.4 pts |
| Share growth (YoY) | +2.2% | +4.9% | -2.6 pts |
| Loan growth (YoY) | +11.0% | +5.4% | +5.6 pts |
| ROA | 0.96% | 0.71% | +0.3 pts |
| ROE | 9.1% | 6.3% | +2.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.54B | $3.14B | $2.16B | $373.6M | $8.5M | 0.96% | 3.05% | 0.43% | 165,204 |
| Q4 2025 | $3.53B | $3.07B | $2.13B | $365.1M | $30.1M | 0.85% | 2.83% | 0.42% | 164,249 |
| Q3 2025 | $3.43B | $3.07B | $2.07B | $355.9M | $20.9M | 0.81% | 2.85% | 0.40% | 163,665 |
| Q2 2025 | $3.44B | $3.10B | $2.02B | $349.1M | $14.1M | 0.82% | 2.78% | 0.31% | 163,182 |
| Q1 2025 | $3.41B | $3.07B | $1.95B | $356.3M | $6.8M | 0.80% | 2.72% | 0.32% | 163,253 |
| Q4 2024 | $3.20B | $2.89B | $1.96B | $339.9M | $27.3M | 0.85% | 2.68% | 0.37% | 165,837 |
| Q3 2024 | $3.28B | $2.82B | $1.92B | $332.9M | $20.3M | 0.82% | 2.60% | 0.38% | 165,038 |
| Q2 2024 | $3.18B | $2.76B | $1.89B | $326.4M | $13.8M | 0.87% | 2.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.71% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.3% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 163,626 |
Loan mix (Q1 2026): real estate $931.7M · commercial $555.0M · consumer $615.3M · securities $1.01B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 73.0% | 37th |
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.