| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.9% | +5.1% | +24.8 pts |
| Share growth (YoY) | +34.6% | +4.9% | +29.8 pts |
| Loan growth (YoY) | +24.2% | +5.4% | +18.8 pts |
| ROA | 1.13% | 0.71% | +0.4 pts |
| ROE | 12.2% | 6.3% | +5.9 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.68B | $1.51B | $1.15B | $155.8M | $4.7M | 1.13% | 3.16% | 0.16% | 74,422 |
| Q4 2025 | $1.60B | $1.41B | $1.15B | $151.1M | $20.2M | 1.27% | 3.08% | 0.29% | 73,467 |
| Q3 2025 | $1.54B | $1.33B | $1.16B | $145.3M | $14.5M | 1.26% | 3.06% | 0.34% | 72,983 |
| Q2 2025 | $1.53B | $1.35B | $1.14B | $138.9M | $8.0M | 1.05% | 2.80% | 0.26% | 72,280 |
| Q1 2025 | $1.29B | $1.12B | $923.1M | $134.9M | $3.1M | 0.95% | 2.97% | 0.10% | 69,594 |
| Q4 2024 | $1.28B | $1.09B | $904.2M | $131.9M | $14.1M | 1.11% | 2.62% | 0.21% | 68,628 |
| Q3 2024 | $1.27B | $1.08B | $894.0M | $127.6M | $9.8M | 1.03% | 2.55% | 0.13% | 68,316 |
| Q2 2024 | $1.24B | $1.04B | $874.1M | $125.7M | $6.5M | 1.05% | 2.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.71% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 6.3% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 67,414 |
Loan mix (Q1 2026): real estate $409.2M · commercial $515.6M · consumer $212.0M · securities $167.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 73.0% | 14th |
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.