| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +5.1% | +2.1 pts |
| Share growth (YoY) | +7.8% | +4.9% | +2.9 pts |
| Loan growth (YoY) | +7.7% | +5.4% | +2.2 pts |
| ROA | 1.31% | 0.71% | +0.6 pts |
| ROE | 12.1% | 6.3% | +5.9 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.08B | $1.81B | $1.79B | $223.5M | $6.8M | 1.31% | 4.03% | 0.35% | 168,543 |
| Q4 2025 | $2.04B | $1.77B | $1.74B | $216.7M | $7.8M | 0.38% | 4.02% | 0.43% | 167,257 |
| Q3 2025 | $2.00B | $1.65B | $1.72B | $214.8M | $5.9M | 0.39% | 4.05% | 0.44% | 165,616 |
| Q2 2025 | $1.98B | $1.65B | $1.71B | $211.2M | $2.3M | 0.23% | 4.00% | 0.37% | 167,411 |
| Q1 2025 | $1.94B | $1.68B | $1.66B | $210.0M | $1.1M | 0.23% | 3.97% | 0.30% | 166,345 |
| Q4 2024 | $1.92B | $1.64B | $1.65B | $208.9M | $11.0M | 0.57% | 3.91% | 0.46% | 165,691 |
| Q3 2024 | $1.94B | $1.65B | $1.66B | $204.1M | $6.1M | 0.42% | 3.82% | 0.37% | 167,035 |
Loan mix (Q1 2026): real estate $786.8M · commercial $123.4M · consumer $807.6M · securities $81.3M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.71% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 6.3% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 73.0% | 38th |
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 (7q) | 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 (7q) | 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 (7q) | 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 (7q) | 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.