| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +5.1% | +7.1 pts |
| Share growth (YoY) | +12.4% | +4.9% | +7.6 pts |
| Loan growth (YoY) | +14.9% | +5.4% | +9.5 pts |
| ROA | 0.90% | 0.71% | +0.2 pts |
| ROE | 8.1% | 6.3% | +1.8 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.78B | $1.59B | $1.02B | $199.0M | $4.0M | 0.90% | 3.30% | 0.39% | 124,804 |
| Q4 2025 | $1.68B | $1.48B | $1.00B | $195.0M | $18.5M | 1.10% | 3.46% | 0.43% | 123,371 |
| Q3 2025 | $1.64B | $1.45B | $994.6M | $192.3M | $13.5M | 1.10% | 3.51% | 0.26% | 121,710 |
| Q2 2025 | $1.61B | $1.44B | $964.0M | $187.8M | $9.0M | 1.11% | 3.52% | 0.20% | 120,059 |
| Q1 2025 | $1.59B | $1.41B | $888.3M | $183.1M | $4.3M | 1.10% | 3.51% | 0.23% | 118,348 |
| Q4 2024 | $1.54B | $1.38B | $803.5M | $178.8M | $7.3M | 0.48% | 3.23% | 0.35% | 117,114 |
| Q3 2024 | $1.55B | $1.31B | $777.9M | $177.8M | $4.0M | 0.34% | 3.12% | 0.28% | 115,875 |
| Q2 2024 | $1.51B | $1.29B | $755.4M | $180.0M | $6.2M | 0.82% | 3.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.71% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 115,352 |
Loan mix (Q1 2026): real estate $291.1M · commercial $26.5M · consumer $466.9M · securities $501.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 73.0% | 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% |
The full ratio pack is part of CharterBench Pro.