| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +93.6% | +5.1% | +88.5 pts |
| Share growth (YoY) | +94.7% | +4.9% | +89.8 pts |
| Loan growth (YoY) | +71.2% | +5.4% | +65.7 pts |
| ROA | 1.29% | 0.71% | +0.6 pts |
| ROE | 12.3% | 6.3% | +6.0 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.43B | $1.27B | $928.1M | $150.2M | $4.6M | 1.29% | 3.46% | 0.33% | 75,658 |
| Q4 2025 | $1.39B | $1.23B | $920.5M | $145.6M | $14.4M | 1.03% | 3.19% | 0.52% | 75,379 |
| Q3 2025 | $1.39B | $1.21B | $903.2M | $141.7M | $10.5M | 1.01% | 3.07% | 0.38% | 75,575 |
| Q2 2025 | $1.36B | $1.19B | $880.4M | $135.3M | $5.7M | 0.83% | 2.82% | 0.49% | 75,375 |
| Q1 2025 | $741.3M | $650.7M | $542.3M | $73.0M | $1.8M | 0.96% | 3.58% | 0.69% | 43,416 |
| Q4 2024 | $716.0M | $627.5M | $537.3M | $71.2M | $5.6M | 0.78% | 2.93% | 0.68% | 42,587 |
| Q3 2024 | $704.8M | $615.0M | $526.5M | $69.2M | $3.6M | 0.68% | 2.72% | 0.57% | 42,451 |
| Q2 2024 | $522.0M | $461.4M | $408.5M | $46.9M | $1.9M | 0.74% | 3.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.71% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 6.3% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 31,550 |
Loan mix (Q1 2026): real estate $316.3M · commercial $56.2M · consumer $494.0M · securities $187.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 73.0% | 35th |
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.