| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +5.1% | +6.6 pts |
| Share growth (YoY) | +15.3% | +4.9% | +10.5 pts |
| Loan growth (YoY) | +5.0% | +5.4% | -0.4 pts |
| ROA | 0.14% | 0.71% | -0.6 pts |
| ROE | 0.5% | 6.3% | -5.7 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.41B | $1.74B | $1.59B | $623.1M | $850K | 0.14% | 3.33% | 0.69% | 145,117 |
| Q4 2025 | $2.39B | $1.71B | $1.60B | $622.2M | $21.2M | 0.89% | 3.24% | 0.87% | 145,945 |
| Q3 2025 | $2.34B | $1.67B | $1.56B | $623.7M | $15.4M | 0.88% | 3.29% | 1.09% | 136,214 |
| Q2 2025 | $2.28B | $1.61B | $1.56B | $616.9M | $8.6M | 0.76% | 3.32% | 1.20% | 130,040 |
| Q1 2025 | $2.15B | $1.51B | $1.51B | $599.9M | $2.4M | 0.45% | 3.42% | 0.37% | 124,073 |
| Q4 2024 | $2.13B | $1.49B | $1.52B | $597.5M | $21.3M | 1.00% | 3.51% | 0.52% | 122,852 |
| Q3 2024 | $2.13B | $1.49B | $1.51B | $600.5M | $16.6M | 1.04% | 3.58% | 0.53% | 129,107 |
| Q2 2024 | $2.14B | $1.50B | $1.50B | $596.5M | $12.6M | 1.18% | 3.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.71% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 6.3% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 129,812 |
Loan mix (Q1 2026): real estate $1.33B · commercial $91.4M · consumer $145.4M · securities $100.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 73.0% | 98th |
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.