| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.1% | -0.3 pts |
| Share growth (YoY) | +4.8% | +4.9% | -0.0 pts |
| Loan growth (YoY) | +7.2% | +5.4% | +1.7 pts |
| ROA | 0.54% | 0.71% | -0.2 pts |
| ROE | 3.1% | 6.3% | -3.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.45B | $1.17B | $1.06B | $254.5M | $2.0M | 0.54% | 3.53% | 1.70% | 80,908 |
| Q4 2025 | $1.42B | $1.14B | $1.06B | $252.5M | $6.6M | 0.47% | 3.19% | 2.16% | 80,079 |
| Q3 2025 | $1.39B | $1.12B | $1.04B | $252.3M | $5.4M | 0.52% | 3.15% | 2.01% | 79,076 |
| Q2 2025 | $1.36B | $1.10B | $1.01B | $251.5M | $4.6M | 0.67% | 3.07% | 2.18% | 77,935 |
| Q1 2025 | $1.38B | $1.12B | $986.5M | $249.4M | $2.4M | 0.69% | 2.92% | 1.46% | 76,446 |
| Q4 2024 | $1.32B | $1.07B | $973.4M | $247.4M | $2.9M | 0.22% | 2.80% | 1.85% | 75,303 |
| Q3 2024 | $1.32B | $1.08B | $957.6M | $247.4M | $2.9M | 0.29% | 2.76% | 1.58% | 75,252 |
| Q2 2024 | $1.34B | $1.11B | $968.9M | $244.9M | $397K | 0.06% | 2.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.71% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 6.3% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.79% |
| 76,505 |
Loan mix (Q1 2026): real estate $531.6M · commercial $194.6M · consumer $307.8M · securities $157.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 73.0% | 18th |
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.