| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.8% | +0.7 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +6.5% | +4.3% | +2.1 pts |
| ROA | 0.98% | 0.62% | +0.4 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $995.0M | $841.0M | $742.2M | $141.8M | $2.4M | 0.98% | 3.81% | 0.82% | 51,712 |
| Q4 2025 | $958.8M | $806.8M | $730.7M | $139.3M | $10.3M | 1.08% | 3.68% | 0.89% | 51,504 |
| Q3 2025 | $957.0M | $804.1M | $723.9M | $137.1M | $8.3M | 1.16% | 3.60% | 0.73% | 51,598 |
| Q2 2025 | $949.1M | $801.9M | $705.6M | $134.7M | $5.6M | 1.18% | 3.53% | 0.69% | 51,627 |
| Q1 2025 | $943.7M | $802.0M | $697.1M | $131.3M | $2.2M | 0.92% | 3.38% | 0.58% | 51,423 |
| Q4 2024 | $900.6M | $758.4M | $682.6M | $129.1M | $7.5M | 0.84% | 3.10% | 0.57% | 51,431 |
| Q3 2024 | $880.3M | $738.2M | $652.9M | $127.5M | $5.9M | 0.90% | 3.05% | 0.40% | 51,236 |
| Q2 2024 | $857.3M | $723.8M | $629.4M | $126.5M | $4.6M | 1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.62% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.04% |
| 0.39% |
| 50,923 |
Loan mix (Q1 2026): real estate $174.0M · commercial $222.6M · consumer $303.5M · securities $106.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 78.3% | 25th |
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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