| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Share growth (YoY) | +7.7% | +4.9% | +2.9 pts |
| Loan growth (YoY) | +4.2% | +5.4% | -1.2 pts |
| ROA | 1.37% | 0.71% | +0.7 pts |
| ROE | 8.3% | 6.3% | +2.0 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.01B | $837.1M | $712.5M | $166.7M | $3.5M | 1.37% | 3.42% | 0.51% | 50,750 |
| Q4 2025 | $961.6M | $792.9M | $713.8M | $163.3M | $13.5M | 1.40% | 3.34% | 0.69% | 50,712 |
| Q3 2025 | $925.5M | $760.7M | $708.0M | $159.5M | $9.7M | 1.40% | 3.42% | 0.48% | 50,540 |
| Q2 2025 | $928.3M | $769.2M | $697.0M | $156.3M | $5.9M | 1.27% | 3.28% | 0.57% | 50,177 |
| Q1 2025 | $932.6M | $777.1M | $683.8M | $152.8M | $2.4M | 1.04% | 3.15% | 0.51% | 49,831 |
| Q4 2024 | $907.5M | $756.6M | $677.7M | $150.4M | $14.1M | 1.56% | 3.09% | 0.80% | 49,559 |
| Q3 2024 | $893.7M | $740.3M | $659.9M | $147.8M | $11.5M | 1.72% | 3.10% | 0.57% | 49,062 |
| Q2 2024 | $892.9M | $746.2M | $642.1M | $145.1M | $8.2M | 1.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.71% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 6.3% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 3.04% |
| 0.39% |
| 48,460 |
Loan mix (Q1 2026): real estate $353.7M · commercial $106.5M · consumer $223.8M · securities $115.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 73.0% | 8th |
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% |
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