| Metric | Rogue Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +5.1% | +10.0 pts |
| Share growth (YoY) | +14.0% | +4.9% | +9.2 pts |
| Loan growth (YoY) | +18.7% | +5.4% | +13.3 pts |
| ROA | 1.08% | 0.71% | +0.4 pts |
| ROE | 10.5% | 6.3% | +4.3 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.29B | $3.63B | $2.55B | $440.5M | $11.6M | 1.08% | 3.86% | 0.76% | 242,010 |
| Q4 2025 | $4.20B | $3.57B | $2.50B | $428.9M | $39.7M | 0.94% | 3.58% | 0.86% | 239,425 |
| Q3 2025 | $3.80B | $3.23B | $2.20B | $383.5M | $31.6M | 1.11% | 3.91% | 0.87% | 216,482 |
| Q2 2025 | $3.73B | $3.18B | $2.15B | $370.8M | $19.0M | 1.02% | 3.84% | 0.79% | 214,591 |
| Q1 2025 | $3.72B | $3.19B | $2.15B | $360.5M | $8.7M | 0.94% | 3.71% | 0.77% | 212,621 |
| Q4 2024 | $3.62B | $3.11B | $2.14B | $351.8M | $24.4M | 0.67% | 3.49% | 0.95% | 212,589 |
| Q3 2024 | $3.64B | $3.11B | $2.12B | $344.3M | $16.6M | 0.61% | 3.37% | 0.73% | 213,222 |
| Q2 2024 | $3.51B | $3.04B | $2.04B | $337.6M | $10.0M | 0.57% | 3.43% |
| Ratio | Rogue Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.71% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 6.3% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 210,123 |
Loan mix (Q1 2026): real estate $844.4M · commercial $204.1M · consumer $1.15B · securities $1.37B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 73.0% | 27th |
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 | Rogue 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 | Rogue 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 | Rogue 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 | Rogue 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.