| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.8% | -0.9 pts |
| Share growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| ROA | 1.01% | 0.62% | +0.4 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $953.2M | $818.0M | $704.6M | $107.9M | $2.4M | 1.01% | 4.90% | 1.47% | 81,734 |
| Q4 2025 | $932.7M | $799.3M | $696.6M | $105.4M | $10.1M | 1.08% | 5.01% | 1.73% | 81,647 |
| Q3 2025 | $910.4M | $780.7M | $697.3M | $101.9M | $6.6M | 0.96% | 5.08% | 1.63% | 82,805 |
| Q2 2025 | $918.9M | $792.8M | $702.7M | $100.6M | $4.7M | 1.02% | 4.90% | 1.11% | 82,778 |
| Q1 2025 | $918.2M | $795.8M | $692.1M | $97.8M | $1.9M | 0.85% | 4.77% | 1.00% | 82,175 |
| Q4 2024 | $880.5M | $759.8M | $690.2M | $95.9M | $3.2M | 0.36% | 4.64% | 1.20% | 81,204 |
| Q3 2024 | $877.2M | $758.9M | $679.5M | $94.6M | $1.9M | 0.29% | 4.58% | 1.01% | 80,677 |
| Q2 2024 | $883.3M | $770.4M | $668.4M | $93.9M | $628K | 0.14% | 4.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.62% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 79,997 |
Loan mix (Q1 2026): real estate $286.4M · commercial $76.2M · consumer $312.5M · securities $63.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 78.3% | 24th |
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.