| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Share growth (YoY) | +8.7% | +4.9% | +3.9 pts |
| Loan growth (YoY) | +10.2% | +5.4% | +4.8 pts |
| ROA | 0.66% | 0.71% | -0.1 pts |
| ROE | 5.2% | 6.3% | -1.0 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.13B | $952.9M | $698.1M | $143.3M | $1.9M | 0.66% | 2.78% | 1.11% | 48,785 |
| Q4 2025 | $1.13B | $933.0M | $684.8M | $141.5M | $6.5M | 0.58% | 2.46% | 1.76% | 49,024 |
| Q3 2025 | $1.13B | $925.6M | $671.9M | $140.0M | $5.1M | 0.60% | 2.43% | 1.99% | 48,929 |
| Q2 2025 | $1.09B | $893.2M | $649.1M | $138.0M | $3.0M | 0.56% | 2.45% | 1.90% | 48,712 |
| Q1 2025 | $1.07B | $876.4M | $633.4M | $136.5M | $1.5M | 0.56% | 2.40% | 1.81% | 48,139 |
| Q4 2024 | $1.05B | $861.0M | $616.3M | $135.0M | $2.5M | 0.24% | 2.02% | 1.49% | 47,477 |
| Q3 2024 | $1.02B | $823.5M | $597.2M | $134.7M | $2.2M | 0.29% | 2.02% | 1.26% | 46,762 |
| Q2 2024 | $1.03B | $809.3M | $580.4M | $134.0M | $1.5M | 0.29% | 1.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.71% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.3% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.28% |
| 44,591 |
Loan mix (Q1 2026): real estate $391.1M · commercial $265.5M · consumer $36.1M · securities $343.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 73.0% | 61th |
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.