| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.1% | -4.7 pts |
| Share growth (YoY) | +1.9% | +4.9% | -3.0 pts |
| Loan growth (YoY) | -1.0% | +5.4% | -6.4 pts |
| ROA | 0.74% | 0.71% | +0.0 pts |
| ROE | 7.6% | 6.3% | +1.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.54B | $4.11B | $3.61B | $438.2M | $8.4M | 0.74% | 2.99% | 1.23% | 232,894 |
| Q4 2025 | $4.48B | $4.01B | $3.60B | $429.8M | $27.0M | 0.60% | 2.99% | 1.33% | 237,358 |
| Q3 2025 | $4.47B | $3.99B | $3.62B | $430.2M | $21.5M | 0.64% | 2.95% | 1.22% | 239,440 |
| Q2 2025 | $4.53B | $4.04B | $3.64B | $422.1M | $13.4M | 0.59% | 2.85% | 1.27% | 241,018 |
| Q1 2025 | $4.51B | $4.03B | $3.64B | $415.6M | $6.9M | 0.61% | 2.78% | 1.34% | 240,340 |
| Q4 2024 | $4.54B | $4.05B | $3.69B | $408.7M | $14.4M | 0.32% | 2.63% | 1.23% | 240,492 |
| Q3 2024 | $4.60B | $4.00B | $3.66B | $413.0M | $12.6M | 0.36% | 2.57% | 1.20% | 238,274 |
| Q2 2024 | $4.46B | $3.87B | $3.57B | $409.5M | $9.1M | 0.41% | 2.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.71% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.3% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 232,582 |
Loan mix (Q1 2026): real estate $1.94B · commercial $517.4M · consumer $833.1M · securities $607.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 73.0% | 23th |
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.