| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.1% | +4.3 pts |
| Share growth (YoY) | +9.2% | +4.9% | +4.3 pts |
| Loan growth (YoY) | +12.5% | +5.4% | +7.0 pts |
| ROA | 1.45% | 0.71% | +0.7 pts |
| ROE | 9.9% | 6.3% | +3.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.19B | $2.70B | $2.37B | $467.5M | $11.6M | 1.45% | 3.87% | 0.50% | 178,561 |
| Q4 2025 | $3.11B | $2.62B | $2.24B | $455.9M | $48.8M | 1.57% | 3.86% | 0.79% | 174,941 |
| Q3 2025 | $2.97B | $2.50B | $2.23B | $443.7M | $36.5M | 1.64% | 3.97% | 0.81% | 174,210 |
| Q2 2025 | $2.94B | $2.48B | $2.17B | $430.9M | $23.7M | 1.61% | 3.93% | 0.70% | 172,364 |
| Q1 2025 | $2.91B | $2.47B | $2.10B | $418.3M | $11.1M | 1.52% | 3.84% | 0.51% | 170,413 |
| Q4 2024 | $2.86B | $2.43B | $2.02B | $407.2M | $47.8M | 1.67% | 3.68% | 0.91% | 168,303 |
| Q3 2024 | $2.78B | $2.36B | $1.96B | $395.0M | $35.5M | 1.71% | 3.78% | 0.82% | 167,363 |
| Q2 2024 | $2.74B | $2.33B | $1.95B | $382.7M | $23.2M | 1.70% | 3.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.71% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.3% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 166,797 |
Loan mix (Q1 2026): real estate $949.8M · commercial $293.3M · consumer $991.5M · securities $217.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 73.0% | 20th |
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.