| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +5.1% | +8.6 pts |
| Share growth (YoY) | +17.1% | +4.9% | +12.2 pts |
| Loan growth (YoY) | +14.9% | +5.4% | +9.5 pts |
| ROA | 0.73% | 0.71% | +0.0 pts |
| ROE | 5.9% | 6.3% | -0.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.26B | $995.0M | $988.4M | $155.2M | $2.3M | 0.73% | 3.35% | 0.52% | 88,140 |
| Q4 2025 | $1.19B | $922.6M | $965.4M | $152.9M | $6.8M | 0.57% | 3.28% | 0.73% | 86,407 |
| Q3 2025 | $1.16B | $896.6M | $941.5M | $152.2M | $4.2M | 0.48% | 3.29% | 0.60% | 84,842 |
| Q2 2025 | $1.15B | $885.9M | $914.8M | $150.6M | $2.6M | 0.45% | 3.24% | 0.46% | 83,066 |
| Q1 2025 | $1.10B | $849.7M | $860.2M | $149.2M | $1.2M | 0.44% | 3.22% | 0.48% | 82,926 |
| Q4 2024 | $1.08B | $837.9M | $835.8M | $148.0M | $4.4M | 0.41% | 3.09% | 0.68% | 81,401 |
| Q3 2024 | $1.08B | $841.7M | $820.0M | $148.4M | $2.8M | 0.35% | 3.06% | 0.60% | 80,568 |
| Q2 2024 | $1.10B | $852.6M | $835.8M | $147.7M | $2.1M | 0.38% | 2.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.71% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.3% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 79,567 |
Loan mix (Q1 2026): real estate $207.0M · commercial $108.6M · consumer $606.9M · securities $75.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 73.0% | 55th |
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% |
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