| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.1% | — |
| Share growth (YoY) | — | +4.9% | — |
| Loan growth (YoY) | — | +5.4% | — |
| ROA | 1.08% | 0.71% | +0.4 pts |
| ROE | 10.5% | 6.3% | +4.2 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.07B | $2.58B | $2.39B | $316.5M | $8.3M | 1.08% | 3.35% | 0.53% | 145,451 |
| Q4 2025 | $2.97B | $2.48B | $2.33B | $308.2M | $27.6M | 0.93% | 3.01% | 0.64% | 144,117 |
Loan mix (Q1 2026): real estate $1.09B · commercial $332.3M · consumer $927.7M · securities $270.3M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.71% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 6.3% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.32% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% |
Peer lists, growth filters, CSV export, CRM push.
| 73.0% |
13th |
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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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.