| Metric | Red Canoe Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.7 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +6.5% | +5.4% | +1.1 pts |
| ROA | 0.91% | 0.71% | +0.2 pts |
| ROE | 7.5% | 6.3% | +1.3 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.21B | $1.05B | $952.0M | $146.8M | $2.8M | 0.91% | 3.95% | 0.53% | 60,463 |
| Q4 2025 | $1.17B | $1.01B | $935.8M | $144.0M | $10.0M | 0.85% | 3.96% | 0.64% | 59,971 |
| Q3 2025 | $1.16B | $1.00B | $928.1M | $142.8M | $8.8M | 1.01% | 3.93% | 0.58% | 59,797 |
| Q2 2025 | $1.16B | $995.8M | $916.7M | $139.4M | $5.4M | 0.94% | 3.89% | 0.47% | 59,393 |
| Q1 2025 | $1.16B | $1.01B | $893.5M | $136.3M | $2.3M | 0.79% | 3.78% | 0.27% | 59,443 |
| Q4 2024 | $1.14B | $994.6M | $889.2M | $134.0M | $6.4M | 0.56% | 3.37% | 0.42% | 59,219 |
| Q3 2024 | $1.14B | $993.6M | $850.9M | $132.2M | $4.6M | 0.54% | 3.29% | 0.45% | 59,470 |
| Q2 2024 | $1.16B | $994.9M | $854.5M | $130.5M | $2.9M | 0.51% | 3.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Red Canoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.71% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 59,503 |
Loan mix (Q1 2026): real estate $426.6M · commercial $250.6M · consumer $259.5M · securities $74.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 73.0% | 59th |
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 | Red Canoe Credit Union | 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 | Red Canoe Credit Union | 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 | Red Canoe Credit Union | 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 | Red Canoe Credit Union | 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.