| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +5.1% | +5.0 pts |
| Share growth (YoY) | +9.8% | +4.9% | +4.9 pts |
| Loan growth (YoY) | +8.6% | +5.4% | +3.2 pts |
| ROA | 0.74% | 0.71% | +0.0 pts |
| ROE | 6.1% | 6.3% | -0.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.37B | $3.67B | $3.71B | $532.7M | $8.1M | 0.74% | 2.87% | 0.38% | 162,111 |
| Q4 2025 | $4.28B | $3.54B | $3.68B | $524.6M | $47.0M | 1.10% | 2.65% | 0.64% | 161,135 |
| Q3 2025 | $4.17B | $3.42B | $3.60B | $513.8M | $36.2M | 1.16% | 2.63% | 0.55% | 160,138 |
| Q2 2025 | $4.10B | $3.45B | $3.53B | $497.1M | $19.6M | 0.96% | 2.56% | 0.58% | 158,593 |
| Q1 2025 | $3.97B | $3.34B | $3.41B | $468.5M | $4.0M | 0.41% | 2.47% | 0.42% | 153,455 |
| Q4 2024 | $3.90B | $3.23B | $3.37B | $464.5M | $37.4M | 0.96% | 2.23% | 0.62% | 152,794 |
| Q3 2024 | $3.80B | $3.14B | $3.28B | $456.9M | $29.9M | 1.05% | 2.22% | 0.52% | 152,072 |
| Q2 2024 | $3.75B | $3.09B | $3.19B | $447.6M | $20.6M | 1.10% | 2.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.71% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.3% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 150,686 |
Loan mix (Q1 2026): real estate $1.95B · commercial $406.3M · consumer $1.05B · securities $364.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 73.0% | 28th |
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.