| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Share growth (YoY) | +2.1% | +4.9% | -2.7 pts |
| Loan growth (YoY) | +8.3% | +5.4% | +2.9 pts |
| ROA | 0.77% | 0.71% | +0.1 pts |
| ROE | 8.7% | 6.3% | +2.4 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.11B | $1.01B | $742.2M | $99.0M | $2.1M | 0.77% | 3.54% | 0.35% | 76,603 |
| Q4 2025 | $1.09B | $986.3M | $740.5M | $96.9M | $9.1M | 0.84% | 3.39% | 0.46% | 77,065 |
| Q3 2025 | $1.09B | $986.6M | $732.5M | $94.5M | $6.7M | 0.83% | 3.35% | 0.43% | 77,916 |
| Q2 2025 | $1.09B | $988.3M | $704.0M | $92.0M | $4.3M | 0.78% | 3.27% | 0.44% | 77,972 |
| Q1 2025 | $1.09B | $984.9M | $685.3M | $90.0M | $2.3M | 0.84% | 3.16% | 0.37% | 77,929 |
| Q4 2024 | $1.05B | $949.2M | $667.2M | $87.8M | $7.6M | 0.73% | 3.05% | 0.44% | 78,105 |
| Q3 2024 | $1.03B | $932.2M | $666.7M | $86.1M | $6.0M | 0.78% | 3.08% | 0.42% | 77,948 |
| Q2 2024 | $934.7M | $843.0M | $607.4M | $78.1M | $4.2M | 0.90% | 3.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.71% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 6.3% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 70,772 |
Loan mix (Q1 2026): real estate $123.4M · commercial $352.3M · consumer $240.2M · securities $103.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 73.0% | 74th |
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.