| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +5.1% | +4.5 pts |
| Share growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +11.7% | +5.4% | +6.3 pts |
| ROA | 1.11% | 0.71% | +0.4 pts |
| ROE | 10.5% | 6.3% | +4.3 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.58B | $2.20B | $2.01B | $271.9M | $7.2M | 1.11% | 2.56% | 0.21% | 121,597 |
| Q4 2025 | $2.47B | $2.10B | $1.97B | $264.8M | $23.7M | 0.96% | 2.45% | 0.32% | 120,488 |
| Q3 2025 | $2.43B | $2.06B | $1.89B | $258.2M | $17.2M | 0.95% | 2.46% | 0.32% | 119,731 |
| Q2 2025 | $2.41B | $2.05B | $1.83B | $251.4M | $10.4M | 0.87% | 2.40% | 0.41% | 118,703 |
| Q1 2025 | $2.35B | $2.02B | $1.80B | $245.8M | $4.8M | 0.81% | 2.37% | 0.37% | 117,650 |
| Q4 2024 | $2.26B | $1.93B | $1.77B | $241.0M | $14.8M | 0.66% | 2.14% | 0.52% | 116,727 |
| Q3 2024 | $2.23B | $1.89B | $1.73B | $236.6M | $10.4M | 0.62% | 2.15% | 0.49% | 115,921 |
| Q2 2024 | $2.18B | $1.85B | $1.67B | $232.1M | $5.9M | 0.54% | 2.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.71% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 6.3% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 115,020 |
Loan mix (Q1 2026): real estate $1.07B · commercial $809.3M · consumer $123.0M · securities $182.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 73.0% | 29th |
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.