| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.8% | +0.4 pts |
| Share growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| Loan growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| ROA | 1.21% | 0.62% | +0.6 pts |
| ROE | 9.7% | 5.9% | +3.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $781.0M | $672.7M | $522.9M | $97.2M | $2.4M | 1.21% | 3.59% | 0.17% | 64,547 |
| Q4 2025 | $754.9M | $650.7M | $518.0M | $94.9M | $10.1M | 1.34% | 3.56% | 0.28% | 64,248 |
| Q3 2025 | $736.0M | $632.7M | $512.2M | $92.1M | $7.3M | 1.33% | 3.61% | 0.30% | 64,025 |
| Q2 2025 | $729.3M | $630.5M | $507.1M | $89.6M | $4.5M | 1.24% | 3.58% | 0.26% | 66,112 |
| Q1 2025 | $742.9M | $646.2M | $504.7M | $87.2M | $2.1M | 1.15% | 3.46% | 0.14% | 65,582 |
| Q4 2024 | $713.4M | $622.8M | $505.4M | $85.1M | $12.5M | 1.75% | 3.45% | 0.28% | 65,012 |
| Q3 2024 | $713.9M | $622.0M | $501.6M | $82.9M | $10.3M | 1.93% | 3.43% | 0.53% | 64,718 |
| Q2 2024 | $704.6M | $615.3M | $487.0M | $81.1M | $8.2M | 2.32% | 3.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.62% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 64,218 |
Loan mix (Q1 2026): real estate $327.8M · commercial $22.3M · consumer $168.0M · securities $119.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 78.3% | 38th |
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.