| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.8% | +2.3 pts |
| Share growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.5 pts |
| ROA | 0.90% | 0.62% | +0.3 pts |
| ROE | 9.4% | 5.9% | +3.5 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $765.2M | $676.2M | $519.5M | $73.6M | $1.7M | 0.90% | 4.30% | 0.36% | 49,200 |
| Q4 2025 | $742.3M | $656.1M | $520.0M | $71.9M | $6.2M | 0.84% | 4.30% | 0.41% | 48,883 |
| Q3 2025 | $722.5M | $637.4M | $509.5M | $70.4M | $4.7M | 0.86% | 4.34% | 0.45% | 48,596 |
| Q2 2025 | $726.4M | $644.0M | $508.5M | $68.8M | $3.1M | 0.85% | 4.23% | 0.36% | 48,325 |
| Q1 2025 | $714.8M | $633.9M | $490.7M | $67.0M | $1.3M | 0.73% | 4.20% | 0.30% | 47,764 |
| Q4 2024 | $692.9M | $614.9M | $483.3M | $65.7M | $4.2M | 0.60% | 3.97% | 0.43% | 47,359 |
| Q3 2024 | $689.8M | $611.5M | $470.4M | $64.5M | $2.9M | 0.56% | 3.90% | 0.28% | 46,967 |
| Q2 2024 | $691.8M | $616.5M | $462.8M | $63.6M | $2.0M | 0.57% | 3.83% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.62% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 46,615 |
Loan mix (Q1 2026): real estate $226.4M · commercial $23.2M · consumer $230.2M · securities $83.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.3% | 61th |
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.