| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.1% | -0.4 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +3.6% | +5.4% | -1.8 pts |
| ROA | 0.93% | 0.71% | +0.2 pts |
| ROE | 8.1% | 6.3% | +1.8 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.80B | $2.45B | $2.19B | $320.3M | $6.5M | 0.93% | 3.58% | 0.83% | 176,871 |
| Q4 2025 | $2.74B | $2.40B | $2.17B | $313.8M | $18.6M | 0.68% | 3.48% | 1.03% | 176,715 |
| Q3 2025 | $2.65B | $2.31B | $2.15B | $313.2M | $14.2M | 0.71% | 3.55% | 0.96% | 178,768 |
| Q2 2025 | $2.65B | $2.32B | $2.12B | $304.0M | $5.0M | 0.38% | 3.48% | 0.91% | 178,882 |
| Q1 2025 | $2.67B | $2.35B | $2.11B | $300.1M | $1.1M | 0.16% | 3.35% | 0.88% | 179,583 |
| Q4 2024 | $2.59B | $2.27B | $2.12B | $299.0M | $20.3M | 0.79% | 3.30% | 1.07% | 179,226 |
| Q3 2024 | $2.52B | $2.21B | $2.12B | $300.8M | $18.2M | 0.96% | 3.36% | 0.81% | 179,920 |
| Q2 2024 | $2.54B | $2.23B | $2.10B | $297.1M | $14.5M | 1.14% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.71% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 178,772 |
Loan mix (Q1 2026): real estate $1.46B · commercial $20.7M · consumer $695.5M · securities $157.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 73.0% | 48th |
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.