| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.1% | -0.9 pts |
| Share growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Loan growth (YoY) | -7.2% | +5.4% | -12.6 pts |
| ROA | 0.76% | 0.71% | +0.0 pts |
| ROE | 5.7% | 6.3% | -0.6 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.70B | $2.16B | $1.21B | $356.7M | $5.1M | 0.76% | 3.00% | 1.32% | 147,698 |
| Q4 2025 | $2.69B | $2.15B | $1.23B | $351.6M | $6.8M | 0.25% | 3.08% | 1.56% | 149,063 |
| Q3 2025 | $2.65B | $2.12B | $1.25B | $355.4M | $5.6M | 0.28% | 3.11% | 1.46% | 149,736 |
| Q2 2025 | $2.57B | $2.15B | $1.27B | $353.5M | $3.7M | 0.29% | 3.14% | 1.54% | 149,923 |
| Q1 2025 | $2.59B | $2.17B | $1.30B | $350.0M | $211K | 0.03% | 3.07% | 1.46% | 150,490 |
| Q4 2024 | $2.56B | $2.14B | $1.36B | $349.8M | $-2.0M | -0.08% | 3.17% | 1.89% | 151,331 |
| Q3 2024 | $2.59B | $2.13B | $1.42B | $354.5M | $-2.4M | -0.13% | 3.15% | 1.58% | 152,453 |
| Q2 2024 | $2.59B | $2.14B | $1.50B | $353.1M | $-3.8M | -0.29% | 3.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.71% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 6.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.55% |
| 153,016 |
Loan mix (Q1 2026): real estate $373.6M · commercial $0 · consumer $475.3M · securities $1.13B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 73.0% | 33th |
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.