| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.1% | +3.9 pts |
| Share growth (YoY) | +0.6% | +4.9% | -4.3 pts |
| Loan growth (YoY) | +8.0% | +5.4% | +2.6 pts |
| ROA | 0.95% | 0.71% | +0.2 pts |
| ROE | 7.5% | 6.3% | +1.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.41B | $1.08B | $954.0M | $177.2M | $3.3M | 0.95% | 2.91% | 0.30% | 70,338 |
| Q4 2025 | $1.40B | $1.07B | $948.0M | $173.8M | $9.3M | 0.67% | 2.65% | 0.37% | 70,168 |
| Q3 2025 | $1.39B | $1.06B | $930.5M | $171.8M | $7.3M | 0.70% | 2.61% | 0.56% | 73,213 |
| Q2 2025 | $1.40B | $1.07B | $901.1M | $168.8M | $4.3M | 0.62% | 2.50% | 0.31% | 72,961 |
| Q1 2025 | $1.29B | $1.07B | $883.1M | $166.2M | $1.6M | 0.50% | 2.60% | 0.23% | 72,961 |
| Q4 2024 | $1.24B | $1.03B | $889.8M | $164.6M | $4.0M | 0.32% | 2.46% | 0.41% | 72,733 |
| Q3 2024 | $1.24B | $1.01B | $899.1M | $162.6M | $2.0M | 0.21% | 2.42% | 0.33% | 75,986 |
| Q2 2024 | $1.27B | $1.02B | $887.8M | $161.5M | $926K | 0.15% | 2.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.71% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 81,651 |
Loan mix (Q1 2026): real estate $721.2M · commercial $128.7M · consumer $75.0M · securities $334.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 73.0% | 29th |
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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