| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.1% | -0.4 pts |
| Share growth (YoY) | +4.8% | +4.9% | -0.0 pts |
| Loan growth (YoY) | +7.5% | +5.4% | +2.1 pts |
| ROA | 0.49% | 0.71% | -0.2 pts |
| ROE | 3.7% | 6.3% | -2.6 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.00B | $861.2M | $694.5M | $132.8M | $1.2M | 0.49% | 3.27% | 0.27% | 67,607 |
| Q4 2025 | $968.3M | $828.7M | $691.9M | $131.6M | $5.0M | 0.51% | 3.24% | 0.43% | 67,330 |
| Q3 2025 | $960.3M | $822.5M | $682.4M | $130.3M | $3.6M | 0.50% | 3.23% | 0.45% | 67,900 |
| Q2 2025 | $968.0M | $831.6M | $671.2M | $129.1M | $2.5M | 0.51% | 3.19% | 0.44% | 66,481 |
| Q1 2025 | $956.1M | $821.7M | $645.9M | $127.7M | $977K | 0.41% | 3.14% | 0.43% | 66,001 |
| Q4 2024 | $950.8M | $814.0M | $642.9M | $126.7M | $1.8M | 0.18% | 2.78% | 0.55% | 65,206 |
| Q3 2024 | $923.6M | $786.8M | $630.1M | $126.8M | $1.8M | 0.26% | 2.79% | 0.44% | 65,013 |
| Q2 2024 | $931.7M | $786.4M | $619.7M | $126.0M | $978K | 0.21% | 2.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.71% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 64,624 |
Loan mix (Q1 2026): real estate $435.0M · commercial $107.1M · consumer $147.6M · securities $74.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 73.0% | 88th |
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.