| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +5.1% | +6.1 pts |
| Share growth (YoY) | +11.4% | +4.9% | +6.5 pts |
| Loan growth (YoY) | +6.5% | +5.4% | +1.1 pts |
| ROA | 1.22% | 0.71% | +0.5 pts |
| ROE | 10.8% | 6.3% | +4.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.33B | $1.19B | $960.2M | $150.9M | $4.1M | 1.22% | 3.19% | 0.29% | 81,733 |
| Q4 2025 | $1.29B | $1.15B | $954.4M | $146.9M | $10.9M | 0.85% | 3.15% | 0.35% | 81,278 |
| Q3 2025 | $1.25B | $1.11B | $947.5M | $144.6M | $8.6M | 0.92% | 3.21% | 0.28% | 80,838 |
| Q2 2025 | $1.22B | $1.09B | $923.2M | $141.5M | $4.5M | 0.73% | 3.22% | 0.33% | 80,241 |
| Q1 2025 | $1.19B | $1.06B | $901.6M | $139.2M | $2.2M | 0.73% | 3.18% | 0.21% | 79,701 |
| Q4 2024 | $1.16B | $1.03B | $883.3M | $137.0M | $10.6M | 0.91% | 3.10% | 0.30% | 79,356 |
| Q3 2024 | $1.15B | $1.01B | $880.0M | $135.1M | $8.6M | 1.00% | 3.06% | 0.31% | 79,152 |
| Q2 2024 | $1.14B | $1.01B | $867.5M | $132.9M | $5.3M | 0.93% | 3.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.71% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 6.3% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 78,732 |
Loan mix (Q1 2026): real estate $229.5M · commercial $139.2M · consumer $567.8M · securities $169.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 73.0% | 25th |
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.