| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.8% | +8.2 pts |
| Share growth (YoY) | +13.6% | +4.3% | +9.3 pts |
| Loan growth (YoY) | +9.3% | +4.3% | +5.0 pts |
| ROA | 0.87% | 0.62% | +0.3 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $831.2M | $735.6M | $683.9M | $90.2M | $1.8M | 0.87% | 3.88% | 0.49% | 51,411 |
| Q4 2025 | $782.6M | $700.9M | $666.3M | $88.4M | $9.6M | 1.23% | 3.98% | 0.81% | 50,468 |
| Q3 2025 | $766.4M | $675.2M | $666.0M | $87.0M | $7.7M | 1.35% | 4.01% | 0.58% | 49,748 |
| Q2 2025 | $746.5M | $659.4M | $644.0M | $83.8M | $4.6M | 1.23% | 3.97% | 0.58% | 48,867 |
| Q1 2025 | $735.9M | $647.6M | $625.7M | $80.9M | $1.7M | 0.91% | 3.88% | 0.54% | 47,823 |
| Q4 2024 | $708.8M | $618.1M | $606.0M | $79.3M | $8.8M | 1.24% | 3.88% | 0.55% | 46,935 |
| Q3 2024 | $689.0M | $599.5M | $601.2M | $77.5M | $6.5M | 1.25% | 3.93% | 0.40% | 46,159 |
| Q2 2024 | $676.1M | $592.0M | $569.5M | $75.5M | $4.5M | 1.33% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.62% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 41,653 |
Loan mix (Q1 2026): real estate $296.7M · commercial $86.9M · consumer $291.9M · securities $31.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.3% | 30th |
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% |
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