| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.1% | -2.0 pts |
| Share growth (YoY) | +3.2% | +4.9% | -1.6 pts |
| Loan growth (YoY) | -1.7% | +5.4% | -7.2 pts |
| ROA | 0.78% | 0.71% | +0.1 pts |
| ROE | 8.4% | 6.3% | +2.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.27B | $3.48B | $2.97B | $399.0M | $8.3M | 0.78% | 4.06% | 1.02% | 422,795 |
| Q4 2025 | $4.20B | $3.37B | $3.03B | $390.7M | $19.5M | 0.47% | 3.87% | 1.19% | 417,920 |
| Q3 2025 | $4.19B | $3.36B | $3.06B | $392.7M | $16.9M | 0.54% | 3.81% | 1.09% | 414,629 |
| Q2 2025 | $4.17B | $3.34B | $3.04B | $386.1M | $10.3M | 0.49% | 3.76% | 0.94% | 408,076 |
| Q1 2025 | $4.14B | $3.37B | $3.03B | $380.7M | $4.9M | 0.48% | 3.68% | 0.83% | 402,419 |
| Q4 2024 | $3.97B | $3.25B | $3.06B | $375.8M | $26.6M | 0.67% | 3.68% | 0.92% | 396,296 |
| Q3 2024 | $4.10B | $3.26B | $3.07B | $373.0M | $19.0M | 0.62% | 3.51% | 0.81% | 391,419 |
| Q2 2024 | $4.12B | $3.30B | $3.09B | $367.1M | $13.2M | 0.64% | 3.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.71% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.3% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 384,816 |
Loan mix (Q1 2026): real estate $1.19B · commercial $172.2M · consumer $1.59B · securities $769.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 73.0% | 43th |
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.