| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.8% | +4.3 pts |
| Share growth (YoY) | +8.0% | +4.3% | +3.7 pts |
| Loan growth (YoY) | +11.6% | +4.3% | +7.3 pts |
| ROA | 0.72% | 0.62% | +0.1 pts |
| ROE | 5.8% | 5.9% | -0.1 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 | $945.5M | $756.2M | $672.1M | $117.9M | $1.7M | 0.72% | 3.35% | 0.25% | 57,921 |
| Q4 2025 | $914.6M | $724.8M | $637.9M | $116.2M | $7.4M | 0.81% | 3.26% | 0.26% | 56,829 |
| Q3 2025 | $885.3M | $705.6M | $621.4M | $114.2M | $5.4M | 0.81% | 3.30% | 0.24% | 56,199 |
| Q2 2025 | $873.5M | $706.4M | $613.2M | $111.9M | $3.1M | 0.71% | 3.25% | 0.17% | 55,577 |
| Q1 2025 | $866.6M | $700.4M | $602.4M | $110.4M | $1.6M | 0.72% | 3.11% | 0.12% | 54,919 |
| Q4 2024 | $824.3M | $654.5M | $592.4M | $108.8M | $6.1M | 0.75% | 3.13% | 0.20% | 54,261 |
| Q3 2024 | $821.0M | $645.4M | $585.5M | $107.5M | $4.8M | 0.78% | 3.09% | 0.20% | 53,867 |
| Q2 2024 | $809.2M | $640.7M | $581.7M | $105.9M | $3.2M | 0.78% | 3.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.62% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 53,477 |
Loan mix (Q1 2026): real estate $152.9M · commercial $107.5M · consumer $405.5M · securities $218.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 78.3% | 32th |
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.