| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +5.1% | +8.9 pts |
| Share growth (YoY) | +14.2% | +4.9% | +9.3 pts |
| Loan growth (YoY) | +16.6% | +5.4% | +11.2 pts |
| ROA | 2.09% | 0.71% | +1.4 pts |
| ROE | 14.2% | 6.3% | +8.0 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.19B | $1.01B | $882.9M | $174.1M | $6.2M | 2.09% | 3.75% | 0.20% | 82,912 |
| Q4 2025 | $1.11B | $949.1M | $848.9M | $169.2M | $18.2M | 1.63% | 3.89% | 0.25% | 81,831 |
| Q3 2025 | $1.08B | $910.5M | $815.0M | $165.0M | $14.1M | 1.73% | 3.94% | 0.30% | 80,657 |
| Q2 2025 | $1.06B | $889.3M | $783.6M | $160.1M | $9.2M | 1.74% | 3.93% | 0.37% | 79,551 |
| Q1 2025 | $1.04B | $883.8M | $756.9M | $154.6M | $3.6M | 1.40% | 3.80% | 0.32% | 79,780 |
| Q4 2024 | $994.3M | $842.0M | $749.4M | $152.2M | $10.7M | 1.08% | 3.67% | 0.32% | 78,278 |
| Q3 2024 | $983.0M | $827.9M | $741.8M | $149.7M | $8.3M | 1.12% | 3.62% | 0.35% | 76,852 |
| Q2 2024 | $955.2M | $803.0M | $730.5M | $147.1M | $5.7M | 1.19% | 3.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 0.71% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 6.3% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 72,536 |
Loan mix (Q1 2026): real estate $312.5M · commercial $43.7M · consumer $472.7M · securities $182.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 73.0% | 12th |
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.