| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.1% | -3.3 pts |
| Share growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Loan growth (YoY) | -0.0% | +5.4% | -5.5 pts |
| ROA | 0.99% | 0.71% | +0.3 pts |
| ROE | 7.5% | 6.3% | +1.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.57B | $2.07B | $1.93B | $338.8M | $6.3M | 0.99% | 4.16% | 0.47% | 156,633 |
| Q4 2025 | $2.51B | $2.01B | $1.92B | $332.5M | $19.7M | 0.79% | 4.28% | 0.91% | 155,333 |
| Q3 2025 | $2.53B | $2.02B | $1.93B | $329.7M | $15.0M | 0.79% | 4.24% | 0.92% | 157,164 |
| Q2 2025 | $2.51B | $2.00B | $1.94B | $323.0M | $8.3M | 0.66% | 4.22% | 0.74% | 155,154 |
| Q1 2025 | $2.53B | $2.00B | $1.93B | $318.4M | $3.7M | 0.58% | 4.18% | 0.54% | 153,046 |
| Q4 2024 | $2.53B | $1.97B | $1.96B | $314.7M | $21.6M | 0.85% | 4.08% | 0.63% | 173,363 |
| Q3 2024 | $2.52B | $1.95B | $1.93B | $312.6M | $17.5M | 0.92% | 4.07% | 0.56% | 173,960 |
| Q2 2024 | $2.54B | $1.96B | $1.96B | $307.0M | $11.8M | 0.93% | 4.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.71% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 174,709 |
Loan mix (Q1 2026): real estate $1.22B · commercial $74.9M · consumer $495.6M · securities $28.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 73.0% | 74th |
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.