| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.8% | -1.1 pts |
| Share growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | -1.8% | +4.3% | -6.1 pts |
| ROA | 0.93% | 0.62% | +0.3 pts |
| ROE | 9.3% | 5.9% | +3.4 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $738.6M | $666.2M | $499.7M | $73.8M | $1.7M | 0.93% | 3.11% | 0.99% | 47,722 |
| Q4 2025 | $734.5M | $664.2M | $512.9M | $72.1M | $4.0M | 0.55% | 3.05% | 1.74% | 48,179 |
| Q3 2025 | $736.1M | $656.3M | $513.6M | $71.6M | $3.5M | 0.64% | 3.00% | 1.50% | 48,760 |
| Q2 2025 | $727.7M | $647.9M | $522.6M | $70.0M | $1.9M | 0.53% | 3.00% | 1.51% | 49,141 |
| Q1 2025 | $712.4M | $647.7M | $508.8M | $69.2M | $1.2M | 0.66% | 2.97% | 0.97% | 49,045 |
| Q4 2024 | $708.9M | $638.6M | $512.8M | $68.0M | $2.5M | 0.35% | 2.83% | 1.59% | 49,331 |
| Q3 2024 | $707.8M | $642.7M | $503.5M | $68.2M | $2.6M | 0.49% | 2.81% | 1.67% | 49,693 |
| Q2 2024 | $718.0M | $654.9M | $513.2M | $67.1M | $1.5M | 0.41% | 2.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.62% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.72% |
| 49,913 |
Loan mix (Q1 2026): real estate $254.6M · commercial $4.5M · consumer $215.1M · securities $114.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 78.3% | 47th |
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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