| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +5.1% | +1.8 pts |
| Share growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Loan growth (YoY) | +6.9% | +5.4% | +1.4 pts |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 3.5% | 6.3% | -2.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.16B | $1.02B | $810.9M | $135.5M | $1.2M | 0.41% | 3.55% | 0.89% | 73,552 |
| Q4 2025 | $1.14B | $1.00B | $786.8M | $134.3M | $2.2M | 0.19% | 3.52% | 1.58% | 70,221 |
| Q3 2025 | $1.13B | $991.5M | $766.4M | $133.9M | $729K | 0.09% | 3.49% | 1.60% | 69,541 |
| Q2 2025 | $1.12B | $986.9M | $761.9M | $133.3M | $63K | 0.01% | 3.45% | 1.72% | 68,755 |
| Q1 2025 | $1.08B | $953.2M | $758.7M | $133.0M | $-234K | -0.09% | 3.48% | 1.16% | 68,261 |
| Q4 2024 | $1.06B | $899.3M | $765.2M | $133.2M | $4.0M | 0.38% | 3.54% | 1.52% | 64,817 |
| Q3 2024 | $1.05B | $890.2M | $765.3M | $133.7M | $3.4M | 0.43% | 3.54% | 1.52% | 69,188 |
| Q2 2024 | $1.04B | $892.3M | $770.3M | $132.0M | $884K | 0.17% | 3.69% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.38% |
| 68,534 |
Loan mix (Q1 2026): real estate $523.6M · commercial $1.2M · consumer $283.7M · securities $111.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 73.0% | 65th |
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.