| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.1% | +3.7 pts |
| Share growth (YoY) | +6.7% | +4.9% | +1.9 pts |
| Loan growth (YoY) | +9.9% | +5.4% | +4.5 pts |
| ROA | 0.50% | 0.71% | -0.2 pts |
| ROE | 5.3% | 6.3% | -1.0 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.13B | $1.00B | $894.0M | $107.2M | $1.4M | 0.50% | 3.80% | 0.81% | 78,661 |
| Q4 2025 | $1.08B | $954.9M | $890.5M | $105.8M | $7.0M | 0.65% | 3.73% | 1.05% | 77,854 |
| Q3 2025 | $1.09B | $960.8M | $879.5M | $104.6M | $5.8M | 0.71% | 3.62% | 0.88% | 77,144 |
| Q2 2025 | $1.06B | $953.4M | $847.4M | $101.2M | $2.4M | 0.45% | 3.61% | 0.97% | 75,907 |
| Q1 2025 | $1.04B | $937.2M | $813.2M | $99.7M | $910K | 0.35% | 3.59% | 0.83% | 74,855 |
| Q4 2024 | $995.7M | $894.9M | $808.3M | $98.8M | $6.4M | 0.64% | 3.49% | 0.87% | 74,091 |
| Q3 2024 | $1.01B | $902.2M | $803.0M | $97.9M | $5.4M | 0.71% | 3.36% | 0.82% | 73,282 |
| Q2 2024 | $996.3M | $890.7M | $794.7M | $95.7M | $3.1M | 0.63% | 3.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.71% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 72,325 |
Loan mix (Q1 2026): real estate $428.3M · commercial $74.0M · consumer $332.8M · securities $113.6M
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.