| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.1% | -1.6 pts |
| Share growth (YoY) | +4.1% | +4.9% | -0.7 pts |
| Loan growth (YoY) | +0.5% | +5.4% | -5.0 pts |
| ROA | 0.63% | 0.71% | -0.1 pts |
| ROE | 6.2% | 6.3% | -0.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.19B | $983.3M | $939.9M | $121.4M | $1.9M | 0.63% | 3.41% | 1.33% | 59,619 |
| Q4 2025 | $1.17B | $962.8M | $934.4M | $119.5M | $6.6M | 0.56% | 3.20% | 1.56% | 58,973 |
| Q3 2025 | $1.16B | $946.7M | $939.7M | $117.8M | $4.8M | 0.55% | 3.16% | 1.53% | 58,339 |
| Q2 2025 | $1.15B | $938.2M | $935.5M | $115.2M | $2.3M | 0.39% | 3.11% | 1.36% | 57,629 |
| Q1 2025 | $1.15B | $944.3M | $935.6M | $114.4M | $1.4M | 0.49% | 3.04% | 1.34% | 56,933 |
| Q4 2024 | $1.15B | $935.7M | $925.2M | $113.0M | $4.6M | 0.40% | 2.80% | 1.80% | 56,374 |
| Q3 2024 | $1.14B | $933.8M | $924.9M | $111.8M | $3.3M | 0.39% | 2.79% | 1.61% | 55,856 |
| Q2 2024 | $1.14B | $936.9M | $936.7M | $110.1M | $1.6M | 0.29% | 2.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.71% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 6.3% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.37% |
| 55,259 |
Loan mix (Q1 2026): real estate $379.8M · commercial $197.9M · consumer $181.4M · securities $140.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 73.0% | 53th |
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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