| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.3% | +5.1% | +21.2 pts |
| Share growth (YoY) | +29.2% | +4.9% | +24.4 pts |
| Loan growth (YoY) | +16.6% | +5.4% | +11.2 pts |
| ROA | 1.16% | 0.71% | +0.4 pts |
| ROE | 12.3% | 6.3% | +6.0 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.82B | $1.62B | $1.37B | $171.8M | $5.3M | 1.16% | 3.64% | 1.20% | 86,234 |
| Q4 2025 | $1.51B | $1.31B | $1.22B | $166.5M | $13.9M | 0.92% | 3.70% | 1.09% | 81,575 |
| Q3 2025 | $1.49B | $1.29B | $1.21B | $164.0M | $11.4M | 1.02% | 3.65% | 0.61% | 81,369 |
| Q2 2025 | $1.47B | $1.28B | $1.20B | $159.5M | $6.8M | 0.93% | 3.63% | 0.51% | 80,726 |
| Q1 2025 | $1.44B | $1.25B | $1.17B | $156.1M | $3.5M | 0.97% | 3.64% | 0.46% | 79,902 |
| Q4 2024 | $1.38B | $1.20B | $1.16B | $152.6M | $14.2M | 1.02% | 3.58% | 0.57% | 79,298 |
| Q3 2024 | $1.39B | $1.21B | $1.13B | $150.0M | $11.5M | 1.10% | 3.45% | 0.49% | 78,984 |
| Q2 2024 | $1.36B | $1.18B | $1.10B | $145.7M | $7.2M | 1.05% | 3.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.71% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 6.3% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 78,144 |
Loan mix (Q1 2026): real estate $403.4M · commercial $310.1M · consumer $392.4M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 73.0% | 55th |
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.