| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.9% | +4.8% | +21.1 pts |
| Share growth (YoY) | +27.3% | +4.3% | +23.0 pts |
| Loan growth (YoY) | +21.9% | +4.3% | +17.6 pts |
| ROA | 0.50% | 0.62% | -0.1 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $885.2M | $752.3M | $694.6M | $108.0M | $1.1M | 0.50% | 4.01% | 0.71% | 66,654 |
| Q4 2025 | $888.8M | $743.8M | $687.9M | $106.9M | $5.0M | 0.56% | 3.18% | 0.89% | 66,360 |
| Q3 2025 | $716.8M | $596.9M | $599.0M | $90.2M | $3.4M | 0.63% | 3.82% | 0.83% | 55,418 |
| Q2 2025 | $698.9M | $596.7M | $580.6M | $89.0M | $2.1M | 0.60% | 3.87% | 0.72% | 54,866 |
| Q1 2025 | $703.4M | $591.0M | $569.6M | $87.8M | $947K | 0.54% | 3.83% | 0.39% | 54,064 |
| Q4 2024 | $697.3M | $584.2M | $554.8M | $87.0M | $2.5M | 0.36% | 3.38% | 0.51% | 53,304 |
| Q3 2024 | $690.2M | $578.3M | $540.5M | $86.3M | $1.3M | 0.25% | 3.26% | 0.49% | 52,570 |
| Q2 2024 | $702.3M | $589.9M | $518.8M | $87.6M | $-263K | -0.07% | 2.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.62% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 51,578 |
Loan mix (Q1 2026): real estate $401.2M · commercial $57.4M · consumer $232.8M · securities $98.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 78.3% | 76th |
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.