| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +5.1% | -4.1 pts |
| Share growth (YoY) | +0.1% | +4.9% | -4.7 pts |
| Loan growth (YoY) | +7.4% | +5.4% | +1.9 pts |
| ROA | 0.66% | 0.71% | -0.1 pts |
| ROE | 6.0% | 6.3% | -0.3 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.31B | $1.16B | $937.5M | $142.9M | $2.1M | 0.66% | 3.54% | 4.89% | 55,710 |
| Q4 2025 | $1.29B | $1.15B | $926.3M | $140.9M | $16.2M | 1.26% | 3.45% | 5.10% | 53,700 |
| Q3 2025 | $1.30B | $1.16B | $882.4M | $137.0M | $11.2M | 1.15% | 3.38% | 4.50% | 53,600 |
| Q2 2025 | $1.30B | $1.16B | $885.0M | $133.9M | $8.1M | 1.24% | 3.31% | 3.66% | 53,543 |
| Q1 2025 | $1.29B | $1.16B | $873.1M | $129.5M | $3.7M | 1.16% | 3.21% | 2.02% | 53,139 |
| Q4 2024 | $1.25B | $1.13B | $887.6M | $125.7M | $6.6M | 0.53% | 2.87% | 1.52% | 52,954 |
| Q3 2024 | $1.24B | $1.11B | $864.5M | $123.8M | $3.6M | 0.39% | 2.80% | 1.33% | 53,109 |
| Q2 2024 | $1.18B | $1.06B | $851.9M | $125.6M | $5.4M | 0.91% | 2.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.71% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.3% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.29% |
| 53,155 |
Loan mix (Q1 2026): real estate $243.8M · commercial $226.4M · consumer $444.2M · securities $60.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 73.0% | 50th |
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.