| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +5.1% | +4.2 pts |
| Share growth (YoY) | +8.7% | +4.9% | +3.8 pts |
| Loan growth (YoY) | +8.9% | +5.4% | +3.5 pts |
| ROA | 0.56% | 0.71% | -0.2 pts |
| ROE | 4.4% | 6.3% | -1.8 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.01B | $1.76B | $1.24B | $251.4M | $2.8M | 0.56% | 2.96% | 0.85% | 122,105 |
| Q4 2025 | $1.95B | $1.70B | $1.23B | $248.6M | $12.1M | 0.62% | 2.77% | 1.21% | 121,744 |
| Q3 2025 | $1.86B | $1.62B | $1.20B | $245.3M | $8.7M | 0.63% | 2.81% | 1.03% | 121,533 |
| Q2 2025 | $1.85B | $1.63B | $1.16B | $244.8M | $6.1M | 0.65% | 2.68% | 1.09% | 120,804 |
| Q1 2025 | $1.84B | $1.62B | $1.13B | $240.4M | $1.6M | 0.35% | 2.64% | 0.98% | 120,606 |
| Q4 2024 | $1.77B | $1.56B | $1.12B | $238.8M | $10.1M | 0.57% | 2.65% | 1.20% | 120,192 |
| Q3 2024 | $1.71B | $1.50B | $1.08B | $235.9M | $7.2M | 0.57% | 2.73% | 1.22% | 120,196 |
| Q2 2024 | $1.68B | $1.49B | $1.05B | $236.2M | $5.3M | 0.63% | 2.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.71% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.3% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.18% |
| 119,878 |
Loan mix (Q1 2026): real estate $643.8M · commercial $301.3M · consumer $260.6M · securities $252.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 73.0% | 52th |
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.