| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.8% | +8.1 pts |
| Share growth (YoY) | +12.3% | +4.3% | +8.0 pts |
| Loan growth (YoY) | +12.8% | +4.3% | +8.5 pts |
| ROA | 0.61% | 0.62% | -0.0 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $736.3M | $638.3M | $428.9M | $94.6M | $1.1M | 0.61% | 2.95% | 1.07% | 39,671 |
| Q4 2025 | $734.0M | $636.0M | $439.2M | $93.5M | $6.6M | 0.89% | 2.57% | 0.91% | 29,974 |
| Q3 2025 | $725.7M | $629.7M | $445.0M | $92.2M | $5.2M | 0.96% | 2.48% | 0.32% | 40,222 |
| Q2 2025 | $650.3M | $563.6M | $379.5M | $90.7M | $3.7M | 1.14% | 2.71% | 0.46% | 38,116 |
| Q1 2025 | $652.3M | $568.3M | $380.1M | $89.4M | $2.3M | 1.44% | 2.56% | 0.34% | 38,399 |
| Q4 2024 | $642.9M | $563.8M | $385.8M | $87.2M | $3.8M | 0.58% | 2.28% | 0.53% | 38,873 |
| Q3 2024 | $644.0M | $564.8M | $395.1M | $86.2M | $2.7M | 0.55% | 2.23% | 0.55% | 39,206 |
| Q2 2024 | $652.9M | $575.1M | $402.6M | $85.0M | $1.5M | 0.46% | 2.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.62% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 39,408 |
Loan mix (Q1 2026): real estate $193.7M · commercial $39.9M · consumer $184.0M · securities $156.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.3% | 59th |
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.