| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.8% | +5.1% | +10.7 pts |
| Share growth (YoY) | +17.8% | +4.9% | +13.0 pts |
| Loan growth (YoY) | +7.0% | +5.4% | +1.5 pts |
| ROA | 0.72% | 0.71% | +0.0 pts |
| ROE | 5.4% | 6.3% | -0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.04B | $859.2M | $708.7M | $137.9M | $1.9M | 0.72% | 2.94% | 3.06% | 34,736 |
| Q4 2025 | $977.0M | $797.9M | $709.1M | $136.0M | $9.7M | 0.99% | 3.22% | 3.57% | 34,274 |
| Q3 2025 | $945.1M | $764.9M | $693.0M | $133.9M | $7.6M | 1.07% | 3.32% | 1.93% | 33,817 |
| Q2 2025 | $892.1M | $717.3M | $680.6M | $131.7M | $5.4M | 1.21% | 3.53% | 0.42% | 33,361 |
| Q1 2025 | $899.5M | $729.1M | $662.5M | $128.6M | $2.3M | 1.04% | 3.47% | 0.22% | 33,681 |
| Q4 2024 | $869.4M | $703.7M | $664.0M | $126.3M | $11.2M | 1.29% | 3.59% | 0.35% | 33,579 |
| Q3 2024 | $875.0M | $701.4M | $662.9M | $123.8M | $8.7M | 1.32% | 3.57% | 0.32% | 33,448 |
| Q2 2024 | $875.0M | $706.9M | $660.8M | $121.6M | $6.5M | 1.49% | 3.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.71% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 6.3% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 33,318 |
Loan mix (Q1 2026): real estate $412.3M · commercial $199.2M · consumer $67.2M · securities $99.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 73.0% | 69th |
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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