| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +5.1% | +7.1 pts |
| Share growth (YoY) | +11.0% | +4.9% | +6.2 pts |
| Loan growth (YoY) | +14.8% | +5.4% | +9.4 pts |
| ROA | 1.79% | 0.71% | +1.1 pts |
| ROE | 18.1% | 6.3% | +11.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.31B | $1.12B | $931.8M | $129.6M | $5.9M | 1.79% | 2.56% | 1.95% | 74,268 |
| Q4 2025 | $1.27B | $1.08B | $912.6M | $123.7M | $17.1M | 1.35% | 2.56% | 1.99% | 71,142 |
| Q3 2025 | $1.22B | $1.05B | $893.8M | $121.1M | $9.5M | 1.03% | 2.59% | 1.83% | 69,218 |
| Q2 2025 | $1.21B | $1.02B | $879.1M | $117.8M | $6.2M | 1.02% | 2.57% | 1.77% | 69,358 |
| Q1 2025 | $1.16B | $1.01B | $811.6M | $114.1M | $2.5M | 0.86% | 2.51% | 1.67% | 68,280 |
| Q4 2024 | $1.13B | $976.1M | $717.3M | $111.6M | $7.5M | 0.66% | 2.78% | 2.36% | 67,778 |
| Q3 2024 | $1.09B | $945.1M | $731.7M | $113.9M | $4.5M | 0.55% | 3.02% | 2.22% | 67,782 |
| Q2 2024 | $1.11B | $971.2M | $745.0M | $105.3M | $3.7M | 0.68% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.71% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 6.3% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.89% |
| 68,070 |
Loan mix (Q1 2026): real estate $690.0M · commercial $10.7M · consumer $101.1M · securities $123.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 73.0% | 9th |
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.