| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Share growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Loan growth (YoY) | +9.9% | +5.4% | +4.5 pts |
| ROA | 0.45% | 0.71% | -0.3 pts |
| ROE | 4.0% | 6.3% | -2.3 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.67B | $2.24B | $2.16B | $298.6M | $3.0M | 0.45% | 3.10% | 0.18% | 85,373 |
| Q4 2025 | $2.61B | $2.15B | $2.15B | $292.2M | $18.4M | 0.70% | 3.08% | 0.36% | 84,945 |
| Q3 2025 | $2.57B | $2.13B | $2.12B | $284.6M | $10.9M | 0.56% | 3.00% | 0.47% | 84,930 |
| Q2 2025 | $2.51B | $2.10B | $2.02B | $281.9M | $8.1M | 0.64% | 2.91% | 0.46% | 84,777 |
| Q1 2025 | $2.49B | $2.09B | $1.97B | $276.5M | $2.7M | 0.44% | 2.78% | 0.44% | 84,621 |
| Q4 2024 | $2.43B | $2.03B | $1.87B | $273.8M | $8.5M | 0.35% | 2.63% | 0.50% | 84,983 |
| Q3 2024 | $2.49B | $2.02B | $1.84B | $272.1M | $6.3M | 0.34% | 2.56% | 0.12% | 85,210 |
| Q2 2024 | $2.45B | $1.97B | $1.88B | $273.6M | $7.8M | 0.64% | 2.62% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.71% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 6.3% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 85,098 |
Loan mix (Q1 2026): real estate $290.0M · commercial $1.40B · consumer $235.3M · securities $242.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 73.0% | 89th |
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.