| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Share growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Loan growth (YoY) | +1.0% | +5.4% | -4.5 pts |
| ROA | 0.59% | 0.71% | -0.1 pts |
| ROE | 5.0% | 6.3% | -1.2 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.98B | $2.63B | $1.93B | $348.9M | $4.4M | 0.59% | 3.01% | 0.46% | 151,475 |
| Q4 2025 | $2.90B | $2.54B | $1.93B | $344.5M | $24.1M | 0.83% | 3.05% | 0.49% | 151,172 |
| Q3 2025 | $2.88B | $2.53B | $1.93B | $342.5M | $21.4M | 0.99% | 3.02% | 0.60% | 151,722 |
| Q2 2025 | $2.84B | $2.51B | $1.91B | $333.3M | $12.2M | 0.86% | 2.98% | 0.63% | 151,035 |
| Q1 2025 | $2.83B | $2.51B | $1.91B | $325.7M | $4.6M | 0.64% | 2.93% | 0.66% | 150,947 |
| Q4 2024 | $2.77B | $2.46B | $1.92B | $321.2M | $22.6M | 0.82% | 2.88% | 0.50% | 151,046 |
| Q3 2024 | $2.80B | $2.49B | $1.94B | $317.0M | $17.7M | 0.84% | 2.81% | 0.43% | 151,949 |
| Q2 2024 | $2.77B | $2.47B | $1.93B | $308.6M | $9.3M | 0.67% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.71% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 152,326 |
Loan mix (Q1 2026): real estate $638.8M · commercial $366.0M · consumer $866.4M · securities $581.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 73.0% | 71th |
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.