| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Share growth (YoY) | +4.9% | +4.9% | +0.1 pts |
| Loan growth (YoY) | +8.2% | +5.4% | +2.8 pts |
| ROA | 0.86% | 0.71% | +0.1 pts |
| ROE | 6.5% | 6.3% | +0.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.19B | $1.90B | $1.15B | $288.2M | $4.7M | 0.86% | 2.79% | 0.36% | 138,472 |
| Q4 2025 | $2.17B | $1.86B | $1.14B | $283.5M | $12.3M | 0.57% | 2.48% | 0.61% | 137,582 |
| Q3 2025 | $2.12B | $1.83B | $1.13B | $278.9M | $7.7M | 0.49% | 2.44% | 0.51% | 137,390 |
| Q2 2025 | $2.10B | $1.82B | $1.11B | $275.2M | $4.0M | 0.38% | 2.36% | 0.46% | 135,978 |
| Q1 2025 | $2.09B | $1.81B | $1.07B | $274.0M | $1.8M | 0.35% | 2.22% | 0.40% | 139,729 |
| Q4 2024 | $2.04B | $1.77B | $1.04B | $272.2M | $8.7M | 0.43% | 2.28% | 0.52% | 138,516 |
| Q3 2024 | $2.03B | $1.74B | $1.05B | $270.1M | $6.6M | 0.43% | 2.27% | 0.47% | 138,157 |
| Q2 2024 | $2.07B | $1.74B | $1.06B | $268.0M | $4.5M | 0.44% | 2.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.71% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 6.3% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 137,653 |
Loan mix (Q1 2026): real estate $333.8M · commercial $0 · consumer $780.1M · securities $629.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 73.0% | 18th |
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.