| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.1% | +3.7 pts |
| Share growth (YoY) | +4.0% | +4.9% | -0.8 pts |
| Loan growth (YoY) | +0.2% | +5.4% | -5.3 pts |
| ROA | 1.83% | 0.71% | +1.1 pts |
| ROE | 13.7% | 6.3% | +7.5 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.81B | $2.09B | $1.79B | $373.1M | $12.8M | 1.83% | 3.67% | 1.21% | 138,447 |
| Q4 2025 | $2.74B | $2.03B | $1.81B | $360.3M | $44.9M | 1.64% | 3.50% | 1.38% | 137,864 |
| Q3 2025 | $2.72B | $2.01B | $1.82B | $353.3M | $35.0M | 1.72% | 3.44% | 1.20% | 137,381 |
| Q2 2025 | $2.71B | $2.03B | $1.81B | $339.0M | $20.8M | 1.53% | 3.34% | 1.09% | 136,228 |
| Q1 2025 | $2.58B | $2.01B | $1.79B | $327.1M | $8.8M | 1.37% | 3.37% | 0.97% | 134,932 |
| Q4 2024 | $2.48B | $1.93B | $1.81B | $318.3M | $30.4M | 1.23% | 3.27% | 1.24% | 133,783 |
| Q3 2024 | $2.47B | $1.91B | $1.83B | $314.4M | $23.6M | 1.28% | 3.22% | 1.16% | 133,463 |
| Q2 2024 | $2.39B | $1.85B | $1.81B | $305.4M | $14.7M | 1.23% | 3.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.71% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 6.3% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.08% |
| 119,451 |
Loan mix (Q1 2026): real estate $993.2M · commercial $271.7M · consumer $410.8M · securities $755.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 73.0% | 19th |
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.