| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.1% | +1.7 pts |
| Share growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Loan growth (YoY) | +8.8% | +5.4% | +3.4 pts |
| ROA | 0.35% | 0.71% | -0.4 pts |
| ROE | 4.1% | 6.3% | -2.1 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.07B | $1.82B | $1.38B | $175.3M | $1.8M | 0.35% | 2.61% | 0.50% | 72,569 |
| Q4 2025 | $2.03B | $1.79B | $1.37B | $173.5M | $8.6M | 0.42% | 2.46% | 0.53% | 77,768 |
| Q3 2025 | $2.01B | $1.77B | $1.35B | $171.1M | $6.2M | 0.41% | 2.46% | 0.41% | 79,176 |
| Q2 2025 | $1.94B | $1.74B | $1.31B | $168.3M | $3.4M | 0.35% | 2.48% | 0.45% | 78,321 |
| Q1 2025 | $1.93B | $1.73B | $1.27B | $166.2M | $1.3M | 0.28% | 2.39% | 0.41% | 75,449 |
| Q4 2024 | $1.90B | $1.71B | $1.23B | $164.9M | $12.1M | 0.64% | 2.29% | 0.43% | 74,461 |
| Q3 2024 | $1.89B | $1.65B | $1.21B | $162.6M | $9.8M | 0.69% | 2.30% | 0.28% | 73,151 |
| Q2 2024 | $1.81B | $1.60B | $1.19B | $160.7M | $7.9M | 0.87% | 2.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.71% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 71,377 |
Loan mix (Q1 2026): real estate $791.0M · commercial $268.2M · consumer $148.7M · securities $507.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 73.0% | 73th |
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.