| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +5.1% | -0.0 pts |
| Share growth (YoY) | +5.6% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +1.8% | +5.4% | -3.6 pts |
| ROA | 0.79% | 0.71% | +0.1 pts |
| ROE | 7.4% | 6.3% | +1.2 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.36B | $1.94B | $1.83B | $249.2M | $4.6M | 0.79% | 3.13% | 0.72% | 118,280 |
| Q4 2025 | $2.32B | $1.89B | $1.81B | $244.6M | $17.4M | 0.75% | 3.04% | 0.83% | 116,811 |
| Q3 2025 | $2.28B | $1.86B | $1.80B | $242.3M | $12.3M | 0.72% | 3.06% | 0.70% | 116,143 |
| Q2 2025 | $2.25B | $1.83B | $1.81B | $237.6M | $7.6M | 0.68% | 3.01% | 0.79% | 114,859 |
| Q1 2025 | $2.24B | $1.84B | $1.79B | $233.4M | $3.4M | 0.60% | 2.91% | 0.74% | 113,480 |
| Q4 2024 | $2.21B | $1.80B | $1.79B | $230.0M | $19.3M | 0.87% | 2.81% | 0.79% | 111,818 |
| Q3 2024 | $2.27B | $1.79B | $1.79B | $228.9M | $15.4M | 0.90% | 2.74% | 0.61% | 111,284 |
| Q2 2024 | $2.25B | $1.77B | $1.80B | $223.0M | $9.4M | 0.83% | 2.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.71% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 6.3% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 109,857 |
Loan mix (Q1 2026): real estate $1.19B · commercial $199.2M · consumer $429.2M · securities $240.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 73.0% | 33th |
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.