| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.8% | +3.4 pts |
| Share growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +8.8% | +4.3% | +4.5 pts |
| ROA | 1.10% | 0.62% | +0.5 pts |
| ROE | 11.9% | 5.9% | +6.0 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $833.9M | $745.7M | $684.6M | $77.1M | $2.3M | 1.10% | 3.85% | 0.39% | 67,210 |
| Q4 2025 | $815.1M | $716.8M | $674.7M | $74.8M | $6.7M | 0.82% | 3.80% | 0.41% | 67,454 |
| Q3 2025 | $800.7M | $703.8M | $660.6M | $73.3M | $4.9M | 0.82% | 3.78% | 0.37% | 66,504 |
| Q2 2025 | $778.9M | $698.6M | $648.2M | $71.2M | $2.8M | 0.73% | 3.79% | 0.41% | 65,557 |
| Q1 2025 | $771.0M | $693.4M | $629.3M | $69.8M | $1.5M | 0.78% | 3.71% | 0.37% | 64,468 |
| Q4 2024 | $752.6M | $677.3M | $616.8M | $68.3M | $5.1M | 0.68% | 3.51% | 0.55% | 64,377 |
| Q3 2024 | $755.0M | $681.0M | $605.6M | $66.3M | $2.9M | 0.52% | 3.39% | 0.60% | 63,620 |
| Q2 2024 | $749.6M | $673.9M | $602.2M | $65.3M | $1.9M | 0.50% | 3.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.62% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 62,805 |
Loan mix (Q1 2026): real estate $137.6M · commercial $60.7M · consumer $411.1M · securities $38.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 78.3% | 42th |
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.