| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.8% | -1.2 pts |
| Share growth (YoY) | +6.0% | +4.3% | +1.7 pts |
| Loan growth (YoY) | +4.3% | +4.3% | -0.1 pts |
| ROA | 0.88% | 0.62% | +0.3 pts |
| ROE | 8.5% | 5.9% | +2.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $985.0M | $885.0M | $582.1M | $102.0M | $2.2M | 0.88% | 3.78% | 0.95% | 65,250 |
| Q4 2025 | $1.01B | $883.9M | $588.6M | $99.9M | $8.7M | 0.86% | 3.62% | 1.10% | 64,682 |
| Q3 2025 | $1.02B | $889.2M | $585.0M | $99.6M | $8.2M | 1.08% | 3.54% | 0.96% | 64,628 |
| Q2 2025 | $977.3M | $856.3M | $576.3M | $96.6M | $5.2M | 1.07% | 3.56% | 0.78% | 63,635 |
| Q1 2025 | $951.3M | $835.2M | $558.2M | $94.1M | $2.7M | 1.12% | 3.58% | 0.50% | 62,614 |
| Q4 2024 | $935.0M | $824.9M | $551.2M | $91.4M | $8.8M | 0.94% | 3.46% | 0.42% | 61,637 |
| Q3 2024 | $927.7M | $813.9M | $546.5M | $89.9M | $7.1M | 1.02% | 3.39% | 0.66% | 61,532 |
| Q2 2024 | $913.9M | $806.6M | $543.5M | $87.1M | $4.3M | 0.95% | 3.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.62% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 60,465 |
Loan mix (Q1 2026): real estate $139.0M · commercial $94.9M · consumer $279.6M · securities $222.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 78.3% | 22th |
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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