| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Share growth (YoY) | +5.5% | +4.9% | +0.7 pts |
| Loan growth (YoY) | +10.6% | +5.4% | +5.2 pts |
| ROA | 0.62% | 0.71% | -0.1 pts |
| ROE | 5.9% | 6.3% | -0.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.08B | $961.1M | $784.6M | $113.5M | $1.7M | 0.62% | 4.81% | 1.35% | 77,115 |
| Q4 2025 | $1.06B | $931.6M | $780.9M | $111.8M | $7.8M | 0.74% | 4.68% | 1.70% | 77,774 |
| Q3 2025 | $1.05B | $927.9M | $774.0M | $109.3M | $5.3M | 0.67% | 4.61% | 1.20% | 78,264 |
| Q2 2025 | $1.03B | $912.8M | $727.5M | $109.9M | $3.9M | 0.76% | 4.64% | 1.08% | 78,735 |
| Q1 2025 | $1.03B | $910.6M | $709.2M | $108.2M | $2.2M | 0.86% | 4.60% | 1.01% | 78,975 |
| Q4 2024 | $1.01B | $900.1M | $725.8M | $105.9M | $7.2M | 0.71% | 4.47% | 1.35% | 80,336 |
| Q3 2024 | $1.02B | $887.1M | $725.0M | $105.4M | $5.3M | 0.69% | 4.41% | 1.27% | 81,525 |
| Q2 2024 | $997.1M | $879.4M | $724.0M | $103.6M | $2.9M | 0.59% | 4.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.71% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.3% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 81,772 |
Loan mix (Q1 2026): real estate $216.4M · commercial $164.1M · consumer $389.7M · securities $72.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 73.0% | 13th |
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% |
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