| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.1% | +4.4 pts |
| Share growth (YoY) | +2.1% | +4.9% | -2.7 pts |
| Loan growth (YoY) | +4.0% | +5.4% | -1.5 pts |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 3.5% | 6.3% | -2.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.55B | $3.57B | $2.96B | $536.9M | $4.7M | 0.41% | 2.99% | 0.37% | 267,951 |
| Q4 2025 | $4.55B | $3.54B | $2.91B | $532.2M | $14.8M | 0.32% | 2.70% | 0.44% | 273,943 |
| Q3 2025 | $4.44B | $3.51B | $2.85B | $532.5M | $9.1M | 0.27% | 2.71% | 0.41% | 274,970 |
| Q2 2025 | $4.24B | $3.48B | $2.84B | $528.5M | $5.1M | 0.24% | 2.77% | 0.45% | 271,386 |
| Q1 2025 | $4.15B | $3.49B | $2.84B | $525.8M | $2.4M | 0.23% | 2.77% | 0.39% | 265,528 |
| Q4 2024 | $4.07B | $3.40B | $2.85B | $523.4M | $22.7M | 0.56% | 2.79% | 0.51% | 278,753 |
| Q3 2024 | $4.81B | $3.36B | $2.78B | $526.8M | $19.9M | 0.55% | 2.35% | 0.47% | 283,490 |
| Q2 2024 | $4.56B | $3.36B | $2.80B | $518.2M | $11.4M | 0.50% | 2.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 286,867 |
Loan mix (Q1 2026): real estate $1.07B · commercial $93.2M · consumer $1.77B · securities $1.28B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 73.0% | 88th |
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.