| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.8% | +1.7 pts |
| Share growth (YoY) | +5.0% | +4.3% | +0.7 pts |
| Loan growth (YoY) | +13.3% | +4.3% | +8.9 pts |
| ROA | 0.99% | 0.62% | +0.4 pts |
| ROE | 9.1% | 5.9% | +3.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $956.7M | $877.7M | $365.2M | $104.1M | $2.4M | 0.99% | 2.08% | 0.20% | 35,354 |
| Q4 2025 | $926.3M | $845.7M | $353.5M | $101.7M | $7.7M | 0.83% | 1.79% | 0.22% | 34,987 |
| Q3 2025 | $930.6M | $854.2M | $346.6M | $99.7M | $5.6M | 0.81% | 1.73% | 0.65% | 34,962 |
| Q2 2025 | $913.0M | $847.1M | $334.5M | $97.4M | $3.3M | 0.73% | 1.66% | 0.79% | 34,647 |
| Q1 2025 | $898.8M | $835.9M | $322.4M | $95.6M | $1.5M | 0.67% | 1.55% | 0.75% | 34,456 |
| Q4 2024 | $889.5M | $829.2M | $313.5M | $94.1M | $2.0M | 0.22% | 1.42% | 0.82% | 34,314 |
| Q3 2024 | $936.7M | $831.5M | $310.2M | $94.1M | $1.8M | 0.26% | 1.34% | 0.30% | 34,230 |
| Q2 2024 | $895.6M | $804.0M | $302.7M | $93.8M | $1.5M | 0.34% | 1.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.62% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.08% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 33,883 |
Loan mix (Q1 2026): real estate $290.7M · commercial $26.7M · consumer $47.0M · securities $454.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 78.3% | 5th |
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.