| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +5.1% | -4.1 pts |
| Share growth (YoY) | -1.5% | +4.9% | -6.4 pts |
| Loan growth (YoY) | +0.6% | +5.4% | -4.9 pts |
| ROA | 1.16% | 0.71% | +0.4 pts |
| ROE | 10.9% | 6.3% | +4.6 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.57B | $2.88B | $3.18B | $379.0M | $10.3M | 1.16% | 5.42% | 1.33% | 291,796 |
| Q4 2025 | $3.43B | $2.88B | $2.99B | $368.7M | $25.2M | 0.73% | 4.54% | 1.77% | 286,283 |
| Q3 2025 | $3.51B | $2.88B | $3.03B | $365.3M | $21.8M | 0.83% | 4.41% | 1.82% | 283,487 |
| Q2 2025 | $3.64B | $3.00B | $3.28B | $362.2M | $14.7M | 0.81% | 4.38% | 1.65% | 280,040 |
| Q1 2025 | $3.53B | $2.93B | $3.16B | $356.0M | $8.6M | 0.97% | 4.37% | 1.94% | 270,592 |
| Q4 2024 | $3.41B | $2.82B | $3.06B | $346.8M | $27.3M | 0.80% | 4.18% | 2.41% | 268,159 |
| Q3 2024 | $3.41B | $2.80B | $3.04B | $340.5M | $21.1M | 0.82% | 4.09% | 1.84% | 263,506 |
| Q2 2024 | $3.37B | $2.77B | $3.01B | $329.6M | $10.1M | 0.60% | 4.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.71% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 6.3% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.47% |
| 263,628 |
Loan mix (Q1 2026): real estate $870.9M · commercial $216.3M · consumer $1.83B · securities $91.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 73.0% | 4th |
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.