| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.1% | +8.7 pts |
| Share growth (YoY) | +13.2% | +4.9% | +8.3 pts |
| Loan growth (YoY) | +6.4% | +5.4% | +0.9 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 5.0% | 6.3% | -1.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.74B | $3.27B | $3.19B | $390.4M | $4.9M | 0.53% | 2.35% | 0.34% | 213,896 |
| Q4 2025 | $3.45B | $3.03B | $3.05B | $375.9M | $27.0M | 0.78% | 2.35% | 0.45% | 206,023 |
| Q3 2025 | $3.43B | $2.98B | $3.05B | $370.1M | $21.3M | 0.83% | 2.33% | 0.42% | 206,717 |
| Q2 2025 | $3.34B | $2.91B | $3.06B | $359.2M | $10.3M | 0.62% | 2.33% | 0.29% | 204,324 |
| Q1 2025 | $3.28B | $2.89B | $3.00B | $356.5M | $5.3M | 0.65% | 2.24% | 0.40% | 202,810 |
| Q4 2024 | $3.24B | $2.81B | $2.97B | $351.2M | $16.3M | 0.50% | 1.80% | 0.57% | 200,089 |
| Q3 2024 | $3.17B | $2.77B | $2.92B | $346.3M | $11.4M | 0.48% | 1.76% | 0.61% | 206,154 |
| Q2 2024 | $3.08B | $2.71B | $2.84B | $342.0M | $7.2M | 0.46% | 1.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.35% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 202,724 |
Loan mix (Q1 2026): real estate $1.41B · commercial $345.0M · consumer $961.7M · securities $22.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 73.0% | 44th |
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.