| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.8% | -2.0 pts |
| Share growth (YoY) | +1.0% | +4.3% | -3.3 pts |
| Loan growth (YoY) | -5.0% | +4.3% | -9.4 pts |
| ROA | 1.67% | 0.62% | +1.1 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $933.7M | $700.8M | $257.1M | $226.9M | $3.9M | 1.67% | 2.56% | 0.48% | 28,138 |
| Q4 2025 | $895.6M | $666.8M | $264.6M | $223.0M | $15.2M | 1.70% | 2.55% | 0.76% | 27,851 |
| Q3 2025 | $896.7M | $672.0M | $268.3M | $219.1M | $11.4M | 1.70% | 2.53% | 0.40% | 28,164 |
| Q2 2025 | $905.9M | $685.4M | $271.9M | $215.1M | $7.4M | 1.64% | 2.47% | 0.27% | 27,921 |
| Q1 2025 | $909.0M | $693.9M | $270.7M | $211.3M | $3.6M | 1.57% | 2.37% | 0.34% | 28,459 |
| Q4 2024 | $878.6M | $667.7M | $275.0M | $207.8M | $14.2M | 1.62% | 2.35% | 0.64% | 28,338 |
| Q3 2024 | $885.5M | $676.2M | $272.9M | $204.3M | $10.8M | 1.62% | 2.31% | 0.65% | 28,205 |
| Q2 2024 | $901.0M | $694.9M | $271.4M | $200.7M | $7.2M | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.62% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.24% |
| 0.60% |
| 27,853 |
Loan mix (Q1 2026): real estate $180.5M · commercial $0 · consumer $74.9M · securities $542.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 78.3% | 1th |
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.