| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.1% | -1.1 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.5 pts |
| Loan growth (YoY) | +9.6% | +5.4% | +4.2 pts |
| ROA | 0.27% | 0.71% | -0.4 pts |
| ROE | 2.6% | 6.3% | -3.7 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.57B | $2.99B | $2.81B | $380.9M | $2.4M | 0.27% | 2.87% | 0.51% | 148,073 |
| Q4 2025 | $3.53B | $2.95B | $2.77B | $378.4M | $23.7M | 0.67% | 2.75% | 0.56% | 147,993 |
| Q3 2025 | $3.47B | $2.89B | $2.71B | $372.9M | $17.1M | 0.66% | 2.76% | 0.52% | 147,270 |
| Q2 2025 | $3.46B | $2.87B | $2.65B | $364.6M | $8.8M | 0.51% | 2.68% | 0.57% | 146,707 |
| Q1 2025 | $3.43B | $2.87B | $2.56B | $358.8M | $3.0M | 0.35% | 2.60% | 0.52% | 146,000 |
| Q4 2024 | $3.35B | $2.80B | $2.51B | $355.8M | $18.9M | 0.56% | 2.56% | 0.52% | 145,752 |
| Q3 2024 | $3.38B | $2.74B | $2.49B | $353.9M | $15.9M | 0.63% | 2.53% | 0.47% | 145,276 |
| Q2 2024 | $3.35B | $2.73B | $2.41B | $347.1M | $9.1M | 0.54% | 2.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.71% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 6.3% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 144,264 |
Loan mix (Q1 2026): real estate $1.76B · commercial $283.8M · consumer $751.7M · securities $526.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 73.0% | 82th |
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.