| Metric | Numerica Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Share growth (YoY) | +5.5% | +4.9% | +0.6 pts |
| Loan growth (YoY) | +6.6% | +5.4% | +1.2 pts |
| ROA | 1.00% | 0.71% | +0.3 pts |
| ROE | 8.5% | 6.3% | +2.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.34B | $3.70B | $3.45B | $509.2M | $10.8M | 1.00% | 2.90% | 0.42% | 178,219 |
| Q4 2025 | $4.21B | $3.58B | $3.39B | $498.4M | $30.0M | 0.71% | 2.85% | 0.34% | 177,451 |
| Q3 2025 | $4.17B | $3.55B | $3.36B | $490.3M | $18.2M | 0.58% | 2.82% | 0.41% | 176,769 |
| Q2 2025 | $4.07B | $3.46B | $3.30B | $484.3M | $12.2M | 0.60% | 2.83% | 0.56% | 175,790 |
| Q1 2025 | $4.11B | $3.51B | $3.23B | $478.7M | $6.5M | 0.64% | 2.73% | 0.53% | 174,641 |
| Q4 2024 | $4.00B | $3.40B | $3.18B | $472.1M | $32.4M | 0.81% | 2.84% | 0.53% | 174,856 |
| Q3 2024 | $4.03B | $3.29B | $3.19B | $470.1M | $26.5M | 0.88% | 2.79% | 0.41% | 175,060 |
| Q2 2024 | $3.98B | $3.24B | $3.20B | $461.6M | $17.9M | 0.90% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Numerica Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.71% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.3% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 174,475 |
Loan mix (Q1 2026): real estate $992.4M · commercial $1.41B · consumer $778.4M · securities $218.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 73.0% | 46th |
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 | Numerica Credit Union | 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 | Numerica Credit Union | 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 | Numerica Credit Union | 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 | Numerica Credit Union | 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% |
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