| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.1% | +2.9 pts |
| Share growth (YoY) | +7.6% | +4.9% | +2.8 pts |
| Loan growth (YoY) | +11.7% | +5.4% | +6.3 pts |
| ROA | 0.28% | 0.71% | -0.4 pts |
| ROE | 3.8% | 6.3% | -2.5 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.03B | $961.5M | $678.1M | $77.8M | $731K | 0.28% | 3.83% | 0.90% | 74,678 |
| Q4 2025 | $998.7M | $929.1M | $668.9M | $77.1M | $3.9M | 0.39% | 3.75% | 1.11% | 75,518 |
| Q3 2025 | $958.3M | $892.3M | $661.1M | $76.3M | $3.0M | 0.42% | 3.84% | 0.93% | 76,360 |
| Q2 2025 | $963.6M | $901.5M | $637.0M | $75.1M | $1.8M | 0.38% | 3.73% | 0.84% | 75,668 |
| Q1 2025 | $954.6M | $893.2M | $606.9M | $74.1M | $863K | 0.36% | 3.66% | 0.52% | 75,405 |
| Q4 2024 | $923.8M | $864.8M | $600.4M | $73.3M | $-1.4M | -0.15% | 3.47% | 0.60% | 74,933 |
| Q3 2024 | $898.3M | $837.8M | $595.7M | $73.2M | $-1.6M | -0.24% | 3.50% | 0.70% | 74,822 |
| Q2 2024 | $883.9M | $829.3M | $568.2M | $73.8M | $-1.0M | -0.23% | 3.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.71% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 6.3% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.62% |
| 73,902 |
Loan mix (Q1 2026): real estate $271.5M · commercial $112.8M · consumer $290.3M · securities $183.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 73.0% | 82th |
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% |
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