| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.8% | +6.6 pts |
| Share growth (YoY) | +10.7% | +4.3% | +6.4 pts |
| Loan growth (YoY) | +10.1% | +4.3% | +5.8 pts |
| ROA | 0.67% | 0.62% | +0.0 pts |
| ROE | 6.4% | 5.9% | +0.5 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $776.4M | $662.0M | $495.8M | $81.2M | $1.3M | 0.67% | 3.34% | 0.89% | 59,620 |
| Q4 2025 | $755.2M | $658.6M | $522.5M | $79.9M | $5.9M | 0.78% | 3.41% | 1.01% | 59,869 |
| Q3 2025 | $758.5M | $649.6M | $510.2M | $78.2M | $4.1M | 0.71% | 3.30% | 1.01% | 54,844 |
| Q2 2025 | $753.9M | $647.4M | $508.0M | $77.7M | $2.7M | 0.70% | 3.19% | 0.92% | 56,739 |
| Q1 2025 | $697.2M | $598.3M | $450.2M | $72.4M | $753K | 0.43% | 3.23% | 0.89% | 54,304 |
| Q4 2024 | $653.5M | $581.6M | $441.6M | $71.7M | $2.0M | 0.31% | 3.13% | 0.84% | 51,802 |
| Q3 2024 | $629.6M | $545.4M | $431.6M | $68.3M | $1.1M | 0.23% | 3.22% | 0.75% | 48,814 |
| Q2 2024 | $633.0M | $548.8M | $430.2M | $67.4M | $512K | 0.16% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.62% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 49,896 |
Loan mix (Q1 2026): real estate $184.5M · commercial $80.3M · consumer $191.9M · securities $133.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.3% | 51th |
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.