| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.1% | +2.9 pts |
| Share growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Loan growth (YoY) | +7.4% | +5.4% | +2.0 pts |
| ROA | 1.21% | 0.71% | +0.5 pts |
| ROE | 10.8% | 6.3% | +4.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.41B | $1.24B | $1.21B | $158.8M | $4.3M | 1.21% | 3.13% | 0.18% | 70,188 |
| Q4 2025 | $1.39B | $1.22B | $1.20B | $154.5M | $17.4M | 1.26% | 2.96% | 0.20% | 69,356 |
| Q3 2025 | $1.35B | $1.19B | $1.19B | $150.4M | $13.2M | 1.30% | 2.96% | 0.13% | 68,226 |
| Q2 2025 | $1.33B | $1.17B | $1.16B | $145.4M | $8.1M | 1.22% | 2.90% | 0.14% | 97,558 |
| Q1 2025 | $1.31B | $1.16B | $1.13B | $141.0M | $3.8M | 1.16% | 2.79% | 0.14% | 95,603 |
| Q4 2024 | $1.25B | $1.09B | $1.10B | $137.2M | $10.5M | 0.84% | 2.27% | 0.12% | 93,236 |
| Q3 2024 | $1.21B | $1.04B | $1.06B | $134.2M | $7.2M | 0.79% | 2.21% | 0.14% | 90,628 |
| Q2 2024 | $1.19B | $1.05B | $1.04B | $131.4M | $4.4M | 0.74% | 2.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.71% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 6.3% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 88,202 |
Loan mix (Q1 2026): real estate $186.5M · commercial $183.7M · consumer $841.7M · securities $46.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 73.0% | 15th |
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.