| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.1% | +4.4 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +4.5% | +5.4% | -0.9 pts |
| ROA | 0.73% | 0.71% | +0.0 pts |
| ROE | 7.7% | 6.3% | +1.5 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.01B | $918.4M | $459.9M | $95.2M | $1.8M | 0.73% | 2.35% | 0.27% | 33,306 |
| Q4 2025 | $960.9M | $868.8M | $455.9M | $93.3M | $7.2M | 0.75% | 2.48% | 0.25% | 33,434 |
| Q3 2025 | $929.9M | $841.7M | $460.5M | $91.5M | $5.2M | 0.74% | 2.52% | 0.48% | 33,277 |
| Q2 2025 | $929.3M | $844.6M | $454.9M | $89.4M | $3.1M | 0.66% | 2.50% | 0.31% | 33,028 |
| Q1 2025 | $923.5M | $842.4M | $440.0M | $87.6M | $1.3M | 0.55% | 2.41% | 0.38% | 32,660 |
| Q4 2024 | $850.7M | $776.2M | $453.5M | $86.3M | $7.3M | 0.86% | 2.87% | 0.39% | 32,754 |
| Q3 2024 | $842.4M | $762.5M | $449.0M | $84.9M | $5.7M | 0.90% | 2.84% | 0.25% | 32,628 |
| Q2 2024 | $831.8M | $761.0M | $443.1M | $82.9M | $3.7M | 0.88% | 2.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.71% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 6.3% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.35% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 32,344 |
Loan mix (Q1 2026): real estate $242.2M · commercial $14.4M · consumer $196.3M · securities $333.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 73.0% | 54th |
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.