| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +5.1% | +5.5 pts |
| Share growth (YoY) | +11.2% | +4.9% | +6.4 pts |
| Loan growth (YoY) | +8.6% | +5.4% | +3.2 pts |
| ROA | 1.01% | 0.71% | +0.3 pts |
| ROE | 8.6% | 6.3% | +2.4 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 | $2.06B | $1.75B | $1.51B | $241.1M | $5.2M | 1.01% | 2.81% | 0.70% | 71,703 |
| Q4 2025 | $1.97B | $1.67B | $1.48B | $235.8M | $18.6M | 0.94% | 2.64% | 0.74% | 71,293 |
| Q3 2025 | $1.94B | $1.65B | $1.45B | $232.4M | $14.2M | 0.98% | 2.61% | 0.65% | 71,384 |
| Q2 2025 | $1.89B | $1.60B | $1.43B | $227.5M | $9.3M | 0.98% | 2.59% | 0.66% | 71,066 |
| Q1 2025 | $1.86B | $1.58B | $1.39B | $222.6M | $4.4M | 0.95% | 2.54% | 0.62% | 70,763 |
| Q4 2024 | $1.76B | $1.48B | $1.38B | $218.2M | $15.5M | 0.88% | 2.45% | 0.65% | 70,402 |
| Q3 2024 | $1.78B | $1.44B | $1.35B | $214.9M | $11.2M | 0.84% | 2.37% | 0.70% | 70,319 |
| Q2 2024 | $1.73B | $1.38B | $1.31B | $209.9M | $6.2M | 0.72% | 2.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.71% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 6.3% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 69,875 |
Loan mix (Q1 2026): real estate $655.1M · commercial $523.6M · consumer $323.6M · securities $275.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 73.0% | 24th |
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.