| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.1% | -1.2 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Loan growth (YoY) | +1.0% | +5.4% | -4.5 pts |
| ROA | 0.68% | 0.71% | -0.0 pts |
| ROE | 6.8% | 6.3% | +0.5 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.68B | $1.34B | $1.25B | $169.1M | $2.9M | 0.68% | 3.05% | 1.12% | 83,638 |
| Q4 2025 | $1.66B | $1.34B | $1.25B | $166.3M | $12.0M | 0.72% | 3.01% | 0.93% | 82,873 |
| Q3 2025 | $1.65B | $1.30B | $1.25B | $163.8M | $9.1M | 0.73% | 3.03% | 0.98% | 82,181 |
| Q2 2025 | $1.62B | $1.31B | $1.24B | $159.1M | $4.4M | 0.54% | 3.02% | 0.98% | 81,275 |
| Q1 2025 | $1.62B | $1.31B | $1.23B | $156.9M | $2.2M | 0.55% | 2.94% | 0.92% | 80,998 |
| Q4 2024 | $1.60B | $1.30B | $1.25B | $154.7M | $8.0M | 0.50% | 2.80% | 0.94% | 80,373 |
| Q3 2024 | $1.59B | $1.29B | $1.26B | $152.5M | $5.7M | 0.48% | 2.81% | 0.92% | 80,128 |
| Q2 2024 | $1.57B | $1.29B | $1.27B | $150.5M | $3.7M | 0.47% | 2.83% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.71% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 6.3% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 79,473 |
Loan mix (Q1 2026): real estate $440.1M · commercial $177.8M · consumer $471.3M · securities $19.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 73.0% | 67th |
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.