| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.1% | +2.2 pts |
| Share growth (YoY) | +8.2% | +4.9% | +3.3 pts |
| Loan growth (YoY) | +9.9% | +5.4% | +4.4 pts |
| ROA | 0.77% | 0.71% | +0.1 pts |
| ROE | 8.4% | 6.3% | +2.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.33B | $1.19B | $1.12B | $122.5M | $2.6M | 0.77% | 3.79% | 0.57% | 67,077 |
| Q4 2025 | $1.28B | $1.15B | $1.09B | $119.9M | $8.2M | 0.64% | 3.53% | 0.62% | 66,471 |
| Q3 2025 | $1.25B | $1.12B | $1.05B | $120.8M | $5.8M | 0.61% | 3.54% | 0.54% | 65,683 |
| Q2 2025 | $1.24B | $1.10B | $1.03B | $118.9M | $3.8M | 0.62% | 3.49% | 1.10% | 67,384 |
| Q1 2025 | $1.24B | $1.10B | $1.02B | $117.0M | $1.9M | 0.63% | 3.45% | 0.83% | 66,719 |
| Q4 2024 | $1.19B | $1.06B | $997.3M | $115.0M | $7.2M | 0.60% | 3.20% | 0.95% | 65,934 |
| Q3 2024 | $1.17B | $1.04B | $974.0M | $117.1M | $6.0M | 0.68% | 3.20% | 0.97% | 65,181 |
| Q2 2024 | $1.14B | $1.01B | $965.6M | $115.4M | $4.3M | 0.75% | 3.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.71% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.3% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 66,091 |
Loan mix (Q1 2026): real estate $630.5M · commercial $289.0M · consumer $184.8M · securities $55.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 73.0% | 60th |
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.