| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.1% | -3.3 pts |
| Share growth (YoY) | 0.0% | +4.9% | -4.9 pts |
| Loan growth (YoY) | +8.6% | +5.4% | +3.2 pts |
| ROA | 0.63% | 0.71% | -0.1 pts |
| ROE | 5.3% | 6.3% | -1.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.39B | $2.01B | $1.68B | $283.6M | $3.7M | 0.63% | 3.25% | 0.45% | 126,395 |
| Q4 2025 | $2.33B | $1.95B | $1.64B | $279.8M | $15.2M | 0.65% | 3.26% | 0.51% | 124,939 |
| Q3 2025 | $2.31B | $1.95B | $1.61B | $276.1M | $11.0M | 0.64% | 3.25% | 0.44% | 123,971 |
| Q2 2025 | $2.33B | $1.99B | $1.58B | $270.9M | $5.8M | 0.50% | 3.16% | 0.48% | 123,021 |
| Q1 2025 | $2.35B | $2.01B | $1.55B | $266.8M | $1.8M | 0.30% | 2.97% | 0.24% | 122,563 |
| Q4 2024 | $2.30B | $1.98B | $1.55B | $265.1M | $14.6M | 0.63% | 3.01% | 0.20% | 122,049 |
| Q3 2024 | $2.32B | $2.00B | $1.54B | $260.3M | $9.4M | 0.54% | 3.00% | 0.13% | 122,553 |
| Q2 2024 | $2.48B | $2.05B | $1.54B | $257.2M | $6.3M | 0.51% | 2.93% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.71% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 129,137 |
Loan mix (Q1 2026): real estate $764.5M · commercial $232.8M · consumer $649.9M · securities $396.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 73.0% | 64th |
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.