| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Share growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Loan growth (YoY) | +3.5% | +5.4% | -2.0 pts |
| ROA | 0.51% | 0.71% | -0.2 pts |
| ROE | 5.3% | 6.3% | -1.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.15B | $986.8M | $883.3M | $112.2M | $1.5M | 0.51% | 3.57% | 0.65% | 69,773 |
| Q4 2025 | $1.12B | $961.3M | $877.1M | $110.7M | $7.3M | 0.66% | 3.53% | 0.82% | 69,595 |
| Q3 2025 | $1.10B | $946.4M | $876.1M | $108.4M | $5.0M | 0.61% | 3.57% | 0.82% | 69,348 |
| Q2 2025 | $1.11B | $937.5M | $864.7M | $107.1M | $3.7M | 0.67% | 3.50% | 0.81% | 70,295 |
| Q1 2025 | $1.12B | $953.5M | $853.6M | $105.1M | $1.2M | 0.43% | 3.36% | 0.65% | 70,003 |
| Q4 2024 | $1.11B | $922.3M | $859.8M | $105.2M | $6.4M | 0.58% | 2.57% | 0.84% | 69,520 |
| Q3 2024 | $1.11B | $921.5M | $863.5M | $102.6M | $5.1M | 0.62% | 2.37% | 0.77% | 69,716 |
| Q2 2024 | $824.9M | $661.7M | $702.2M | $77.2M | $3.7M | 0.89% | 2.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.71% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 51,382 |
Loan mix (Q1 2026): real estate $435.9M · commercial $110.3M · consumer $265.4M · securities $77.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 73.0% | 79th |
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% |
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