| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.1% | +0.1 pts |
| Share growth (YoY) | +6.1% | +4.9% | +1.3 pts |
| Loan growth (YoY) | +4.8% | +5.4% | -0.6 pts |
| ROA | 0.91% | 0.71% | +0.2 pts |
| ROE | 6.7% | 6.3% | +0.5 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 | $1.59B | $1.33B | $1.15B | $213.8M | $3.6M | 0.91% | 3.67% | 0.56% | 124,743 |
| Q4 2025 | $1.57B | $1.31B | $1.13B | $210.2M | $15.3M | 0.97% | 3.46% | 0.89% | 123,949 |
| Q3 2025 | $1.55B | $1.29B | $1.12B | $204.6M | $9.7M | 0.83% | 3.45% | 0.93% | 123,510 |
| Q2 2025 | $1.53B | $1.28B | $1.10B | $200.4M | $5.5M | 0.71% | 3.46% | 1.05% | 122,811 |
| Q1 2025 | $1.51B | $1.25B | $1.09B | $197.4M | $2.4M | 0.65% | 3.50% | 0.63% | 121,875 |
| Q4 2024 | $1.49B | $1.21B | $1.09B | $194.9M | $9.9M | 0.66% | 3.29% | 1.21% | 121,532 |
| Q3 2024 | $1.47B | $1.22B | $1.08B | $192.9M | $7.9M | 0.71% | 3.26% | 1.03% | 121,775 |
| Q2 2024 | $1.46B | $1.24B | $1.07B | $190.8M | $5.7M | 0.78% | 3.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | 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 | 6.7% | 6.3% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 121,345 |
Loan mix (Q1 2026): real estate $281.3M · commercial $153.7M · consumer $477.5M · securities $168.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 73.0% | 38th |
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.