| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +4.8% | +6.9 pts |
| Share growth (YoY) | +7.3% | +4.3% | +3.0 pts |
| Loan growth (YoY) | +16.1% | +4.3% | +11.7 pts |
| ROA | 0.49% | 0.62% | -0.1 pts |
| ROE | 5.2% | 5.9% | -0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $706.5M | $571.1M | $537.2M | $67.2M | $874K | 0.49% | 3.74% | 0.46% | 42,074 |
| Q4 2025 | $711.6M | $555.8M | $532.7M | $66.4M | $2.5M | 0.35% | 3.46% | 0.80% | 42,135 |
| Q3 2025 | $704.9M | $550.4M | $530.6M | $65.4M | $1.5M | 0.28% | 3.41% | 0.49% | 41,974 |
| Q2 2025 | $652.4M | $536.7M | $487.7M | $64.9M | $944K | 0.29% | 3.57% | 0.40% | 42,483 |
| Q1 2025 | $632.4M | $532.2M | $462.8M | $64.1M | $180K | 0.11% | 3.54% | 0.23% | 42,810 |
| Q4 2024 | $605.3M | $524.8M | $438.9M | $64.0M | $2.8M | 0.47% | 3.51% | 0.61% | 42,812 |
| Q3 2024 | $599.2M | $513.3M | $431.8M | $63.6M | $2.4M | 0.54% | 3.49% | 0.60% | 43,358 |
| Q2 2024 | $590.5M | $512.2M | $422.1M | $63.1M | $1.9M | 0.65% | 3.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.62% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 43,229 |
Loan mix (Q1 2026): real estate $311.9M · commercial $44.0M · consumer $178.1M · securities $109.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 78.3% | 48th |
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.