| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -1.0 pts |
| Share growth (YoY) | -5.0% | +4.9% | -9.8 pts |
| Loan growth (YoY) | +5.8% | +5.4% | +0.3 pts |
| ROA | 1.01% | 0.71% | +0.3 pts |
| ROE | 10.1% | 6.3% | +3.8 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.09B | $857.1M | $844.5M | $108.7M | $2.8M | 1.01% | 3.79% | 0.86% | 79,277 |
| Q4 2025 | $1.08B | $854.3M | $847.0M | $106.0M | $-6.0M | -0.56% | 3.57% | 0.88% | 78,235 |
| Q3 2025 | $1.02B | $871.2M | $848.0M | $109.7M | $-5.0M | -0.66% | 3.70% | 0.66% | 77,493 |
| Q2 2025 | $1.04B | $897.0M | $839.7M | $110.0M | $-8.8M | -1.68% | 3.09% | 0.91% | 76,311 |
| Q1 2025 | $1.05B | $901.9M | $798.4M | $115.7M | $-3.1M | -1.20% | 3.51% | 0.76% | 76,163 |
| Q4 2024 | $997.7M | $849.1M | $802.7M | $118.8M | $3.6M | 0.36% | 3.75% | 1.22% | 74,972 |
| Q3 2024 | $990.0M | $840.8M | $800.6M | $121.3M | $2.5M | 0.34% | 3.79% | 0.85% | 74,265 |
| Q2 2024 | $998.2M | $847.5M | $827.5M | $120.5M | $1.7M | 0.34% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.71% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 6.3% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 3.76% |
| 0.97% |
| 75,295 |
Loan mix (Q1 2026): real estate $227.5M · commercial $91.7M · consumer $520.4M · securities $74.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 73.0% | 68th |
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.