| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.1% | -0.5 pts |
| Share growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Loan growth (YoY) | +5.3% | +5.4% | -0.1 pts |
| ROA | 2.05% | 0.71% | +1.3 pts |
| ROE | 13.5% | 6.3% | +7.3 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.46B | $1.22B | $854.3M | $221.2M | $7.5M | 2.05% | 4.20% | 0.80% | 93,521 |
| Q4 2025 | $1.42B | $1.19B | $859.1M | $213.7M | $26.1M | 1.84% | 4.06% | 0.92% | 93,958 |
| Q3 2025 | $1.40B | $1.18B | $845.0M | $210.6M | $20.7M | 1.97% | 4.04% | 0.82% | 91,694 |
| Q2 2025 | $1.39B | $1.18B | $830.4M | $202.8M | $13.0M | 1.87% | 3.97% | 0.78% | 91,033 |
| Q1 2025 | $1.39B | $1.18B | $811.2M | $197.5M | $7.7M | 2.20% | 3.87% | 0.79% | 90,497 |
| Q4 2024 | $1.34B | $1.14B | $799.5M | $189.8M | $23.1M | 1.73% | 4.02% | 0.99% | 90,049 |
| Q3 2024 | $1.42B | $1.13B | $792.9M | $187.9M | $18.9M | 1.77% | 3.80% | 0.94% | 89,893 |
| Q2 2024 | $1.41B | $1.13B | $783.3M | $181.7M | $12.7M | 1.80% | 3.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 0.71% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 6.3% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 89,777 |
Loan mix (Q1 2026): real estate $343.7M · commercial $0 · consumer $498.6M · securities $419.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 73.0% | 8th |
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.