| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.5 pts |
| Loan growth (YoY) | +5.5% | +5.4% | +0.0 pts |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 4.2% | 6.3% | -2.0 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.68B | $1.50B | $1.08B | $163.7M | $1.7M | 0.41% | 3.54% | 0.51% | 95,051 |
| Q4 2025 | $1.65B | $1.47B | $1.08B | $162.0M | $8.9M | 0.54% | 3.32% | 0.54% | 94,851 |
| Q3 2025 | $1.62B | $1.45B | $1.06B | $159.5M | $6.2M | 0.51% | 3.31% | 0.56% | 94,984 |
| Q2 2025 | $1.64B | $1.47B | $1.04B | $157.0M | $3.7M | 0.45% | 3.17% | 0.44% | 94,482 |
| Q1 2025 | $1.60B | $1.44B | $1.03B | $154.4M | $1.1M | 0.27% | 3.06% | 0.32% | 94,083 |
| Q4 2024 | $1.56B | $1.39B | $1.03B | $153.3M | $7.6M | 0.49% | 3.15% | 0.38% | 93,666 |
| Q3 2024 | $1.51B | $1.35B | $1.01B | $152.2M | $6.3M | 0.56% | 3.24% | 0.30% | 93,548 |
| Q2 2024 | $1.49B | $1.33B | $1.01B | $149.5M | $3.6M | 0.49% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 6.3% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 93,037 |
Loan mix (Q1 2026): real estate $429.3M · commercial $185.3M · consumer $402.9M · securities $354.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 73.0% | 79th |
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.