| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.8% | +2.5 pts |
| Share growth (YoY) | +10.7% | +4.3% | +6.4 pts |
| Loan growth (YoY) | +7.6% | +4.3% | +3.3 pts |
| ROA | 0.88% | 0.62% | +0.3 pts |
| ROE | 8.1% | 5.9% | +2.2 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $620.0M | $539.1M | $454.7M | $67.0M | $1.4M | 0.88% | 2.95% | 0.15% | 34,392 |
| Q4 2025 | $609.9M | $514.4M | $451.3M | $65.7M | $3.7M | 0.61% | 2.73% | 0.45% | 33,925 |
| Q3 2025 | $582.9M | $488.6M | $447.0M | $64.8M | $2.8M | 0.64% | 2.79% | 0.41% | 33,811 |
| Q2 2025 | $584.5M | $482.3M | $439.9M | $63.5M | $1.5M | 0.51% | 2.68% | 0.09% | 33,475 |
| Q1 2025 | $578.3M | $487.0M | $422.6M | $62.7M | $726K | 0.50% | 2.61% | 0.19% | 32,958 |
| Q4 2024 | $572.2M | $482.2M | $414.4M | $62.2M | $1.9M | 0.34% | 2.36% | 0.13% | 32,431 |
| Q3 2024 | $548.7M | $453.9M | $407.4M | $61.8M | $1.7M | 0.41% | 2.42% | 0.19% | 32,410 |
| Q2 2024 | $533.8M | $445.7M | $398.7M | $61.7M | $1.6M | 0.58% | 2.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.62% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 31,475 |
Loan mix (Q1 2026): real estate $263.8M · commercial $52.2M · consumer $124.1M · securities $51.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.3% | 42th |
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.