| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.1% | -1.8 pts |
| Share growth (YoY) | +2.0% | +4.9% | -2.8 pts |
| Loan growth (YoY) | +3.7% | +5.4% | -1.8 pts |
| ROA | 0.77% | 0.71% | +0.1 pts |
| ROE | 6.9% | 6.3% | +0.6 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.73B | $2.49B | $1.62B | $307.9M | $5.3M | 0.77% | 3.06% | 0.26% | 127,100 |
| Q4 2025 | $2.71B | $2.48B | $1.61B | $302.6M | $24.3M | 0.90% | 2.97% | 0.49% | 126,138 |
| Q3 2025 | $2.69B | $2.46B | $1.58B | $297.2M | $19.0M | 0.94% | 2.95% | 0.49% | 125,645 |
| Q2 2025 | $2.66B | $2.45B | $1.58B | $287.8M | $8.7M | 0.65% | 2.95% | 0.44% | 124,708 |
| Q1 2025 | $2.65B | $2.44B | $1.56B | $283.5M | $4.4M | 0.67% | 2.95% | 0.23% | 123,466 |
| Q4 2024 | $2.59B | $2.42B | $1.57B | $279.1M | $18.5M | 0.71% | 2.90% | 0.49% | 122,723 |
| Q3 2024 | $2.60B | $2.41B | $1.54B | $274.2M | $13.6M | 0.70% | 2.88% | 0.30% | 121,826 |
| Q2 2024 | $2.56B | $2.40B | $1.54B | $270.0M | $8.6M | 0.67% | 2.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.71% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 6.3% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 120,727 |
Loan mix (Q1 2026): real estate $986.8M · commercial $375.2M · consumer $249.6M · securities $986.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 73.0% | 67th |
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.