| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +5.1% | +4.1 pts |
| Share growth (YoY) | +8.5% | +4.9% | +3.7 pts |
| Loan growth (YoY) | +12.3% | +5.4% | +6.8 pts |
| ROA | 1.64% | 0.71% | +0.9 pts |
| ROE | 11.0% | 6.3% | +4.7 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.93B | $1.62B | $1.24B | $288.4M | $7.9M | 1.64% | 2.99% | 0.11% | 101,042 |
| Q4 2025 | $1.87B | $1.57B | $1.21B | $280.5M | $31.2M | 1.67% | 2.84% | 0.07% | 100,675 |
| Q3 2025 | $1.81B | $1.53B | $1.17B | $271.4M | $21.9M | 1.61% | 2.86% | 0.08% | 102,628 |
| Q2 2025 | $1.78B | $1.51B | $1.14B | $262.9M | $13.4M | 1.51% | 2.83% | 0.06% | 102,625 |
| Q1 2025 | $1.76B | $1.50B | $1.10B | $255.2M | $5.8M | 1.31% | 2.77% | 0.08% | 102,025 |
| Q4 2024 | $1.70B | $1.45B | $1.08B | $249.5M | $22.9M | 1.34% | 2.51% | 0.07% | 102,038 |
| Q3 2024 | $1.79B | $1.41B | $1.07B | $243.0M | $16.2M | 1.20% | 2.28% | 0.06% | 102,249 |
| Q2 2024 | $1.72B | $1.39B | $1.03B | $236.4M | $9.6M | 1.12% | 2.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.71% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 6.3% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 102,410 |
Loan mix (Q1 2026): real estate $906.6M · commercial $178.9M · consumer $143.4M · securities $513.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 73.0% | 8th |
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.