| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Share growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Loan growth (YoY) | +2.5% | +5.4% | -2.9 pts |
| ROA | 1.82% | 0.71% | +1.1 pts |
| ROE | 12.8% | 6.3% | +6.6 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.53B | $1.31B | $698.2M | $217.0M | $7.0M | 1.82% | 2.70% | 0.04% | 75,879 |
| Q4 2025 | $1.46B | $1.25B | $706.2M | $210.0M | $22.5M | 1.54% | 2.51% | 0.08% | 75,471 |
| Q3 2025 | $1.45B | $1.25B | $697.7M | $204.3M | $16.5M | 1.52% | 2.46% | 0.03% | 75,015 |
| Q2 2025 | $1.42B | $1.23B | $695.3M | $198.1M | $10.3M | 1.44% | 2.43% | 0.02% | 74,560 |
| Q1 2025 | $1.41B | $1.23B | $681.1M | $192.7M | $4.8M | 1.37% | 2.37% | 0.02% | 74,218 |
| Q4 2024 | $1.39B | $1.21B | $690.9M | $187.8M | $12.1M | 0.87% | 1.95% | 0.07% | 74,149 |
| Q3 2024 | $1.38B | $1.17B | $690.7M | $184.7M | $8.6M | 0.83% | 1.89% | 0.07% | 74,655 |
| Q2 2024 | $1.40B | $1.20B | $689.6M | $181.5M | $5.4M | 0.78% | 1.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.71% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 6.3% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.07% |
| 74,140 |
Loan mix (Q1 2026): real estate $531.2M · commercial $1.9M · consumer $137.3M · securities $617.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 73.0% | 1th |
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.