| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.1% | +3.1 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +8.4% | +5.4% | +2.9 pts |
| ROA | 1.23% | 0.71% | +0.5 pts |
| ROE | 9.3% | 6.3% | +3.1 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.03B | $1.73B | $1.54B | $266.6M | $6.2M | 1.23% | 4.40% | 0.79% | 165,292 |
| Q4 2025 | $1.96B | $1.67B | $1.52B | $260.4M | $24.2M | 1.23% | 4.59% | 0.96% | 162,417 |
| Q3 2025 | $1.91B | $1.62B | $1.49B | $252.8M | $16.6M | 1.16% | 4.64% | 0.90% | 160,102 |
| Q2 2025 | $1.91B | $1.61B | $1.46B | $249.3M | $12.6M | 1.32% | 4.59% | 0.84% | 157,213 |
| Q1 2025 | $1.87B | $1.59B | $1.42B | $240.8M | $4.0M | 0.86% | 4.48% | 0.78% | 156,301 |
| Q4 2024 | $1.81B | $1.53B | $1.43B | $236.7M | $23.6M | 1.30% | 4.50% | 0.91% | 154,029 |
| Q3 2024 | $1.84B | $1.56B | $1.45B | $227.7M | $14.5M | 1.05% | 4.32% | 0.86% | 152,341 |
| Q2 2024 | $1.83B | $1.57B | $1.44B | $222.8M | $9.1M | 1.00% | 4.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.71% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 150,177 |
Loan mix (Q1 2026): real estate $479.9M · commercial $2.0M · consumer $1.02B · securities $96.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 73.0% | 37th |
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.