| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.1% | -1.7 pts |
| Share growth (YoY) | +14.2% | +4.9% | +9.3 pts |
| Loan growth (YoY) | +19.7% | +5.4% | +14.3 pts |
| ROA | 0.89% | 0.71% | +0.2 pts |
| ROE | 7.7% | 6.3% | +1.4 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.73B | $2.42B | $1.95B | $314.8M | $6.0M | 0.89% | 3.56% | 0.63% | 157,508 |
| Q4 2025 | $2.66B | $2.35B | $1.95B | $308.7M | $27.5M | 1.03% | 3.46% | 0.70% | 154,922 |
| Q3 2025 | $2.85B | $2.31B | $1.90B | $306.9M | $23.4M | 1.09% | 3.16% | 0.49% | 152,860 |
| Q2 2025 | $2.74B | $2.21B | $1.80B | $298.0M | $14.5M | 1.06% | 3.23% | 0.48% | 150,198 |
| Q1 2025 | $2.64B | $2.12B | $1.63B | $290.2M | $6.7M | 1.02% | 3.29% | 0.48% | 148,253 |
| Q4 2024 | $2.57B | $2.07B | $1.61B | $283.5M | $20.8M | 0.81% | 3.00% | 0.57% | 146,659 |
| Q3 2024 | $2.58B | $2.07B | $1.57B | $279.3M | $14.2M | 0.73% | 2.90% | 0.66% | 145,594 |
| Q2 2024 | $2.52B | $2.03B | $1.52B | $272.6M | $7.5M | 0.59% | 2.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.71% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 6.3% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 144,591 |
Loan mix (Q1 2026): real estate $594.0M · commercial $345.2M · consumer $770.4M · securities $485.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 73.0% | 24th |
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.