| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.1% | -0.2 pts |
| Share growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Loan growth (YoY) | +1.8% | +5.4% | -3.7 pts |
| ROA | 0.36% | 0.71% | -0.4 pts |
| ROE | 3.5% | 6.3% | -2.8 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.03B | $909.9M | $688.8M | $105.7M | $930K | 0.36% | 3.11% | 0.53% | 81,089 |
| Q4 2025 | $1.03B | $891.0M | $676.0M | $104.8M | $6.2M | 0.60% | 3.07% | 0.46% | 80,893 |
| Q3 2025 | $1.00B | $863.9M | $677.3M | $103.2M | $4.5M | 0.60% | 3.12% | 0.40% | 80,927 |
| Q2 2025 | $988.5M | $856.6M | $669.1M | $101.6M | $2.9M | 0.59% | 3.09% | 0.43% | 80,572 |
| Q1 2025 | $981.3M | $852.8M | $676.9M | $99.9M | $1.3M | 0.51% | 3.01% | 0.27% | 80,442 |
| Q4 2024 | $967.6M | $842.5M | $673.2M | $98.7M | $3.7M | 0.38% | 2.92% | 0.55% | 80,255 |
| Q3 2024 | $992.4M | $864.5M | $674.3M | $97.5M | $2.5M | 0.33% | 2.82% | 0.48% | 80,184 |
| Q2 2024 | $1.00B | $879.5M | $670.7M | $96.2M | $1.3M | 0.25% | 2.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.71% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 79,920 |
Loan mix (Q1 2026): real estate $124.5M · commercial $69.5M · consumer $479.7M · securities $166.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 73.0% | 66th |
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.