| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.1% | +3.2 pts |
| Share growth (YoY) | +5.4% | +4.9% | +0.5 pts |
| Loan growth (YoY) | +10.7% | +5.4% | +5.2 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 4.8% | 6.3% | -1.5 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.69B | $1.32B | $1.44B | $186.7M | $2.2M | 0.53% | 3.31% | 0.90% | 112,948 |
| Q4 2025 | $1.65B | $1.28B | $1.42B | $184.4M | $14.0M | 0.85% | 3.47% | 0.85% | 111,889 |
| Q3 2025 | $1.59B | $1.25B | $1.34B | $180.1M | $9.0M | 0.76% | 3.55% | 1.03% | 110,916 |
| Q2 2025 | $1.55B | $1.23B | $1.31B | $176.2M | $5.1M | 0.66% | 3.56% | 0.71% | 109,620 |
| Q1 2025 | $1.56B | $1.25B | $1.30B | $173.1M | $2.0M | 0.52% | 3.40% | 0.69% | 108,770 |
| Q4 2024 | $1.56B | $1.23B | $1.31B | $171.1M | $12.0M | 0.77% | 3.46% | 0.73% | 108,311 |
| Q3 2024 | $1.56B | $1.22B | $1.31B | $170.1M | $10.4M | 0.89% | 3.45% | 0.76% | 108,428 |
| Q2 2024 | $1.54B | $1.24B | $1.30B | $165.5M | $5.8M | 0.75% | 3.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 6.3% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 107,564 |
Loan mix (Q1 2026): real estate $691.8M · commercial $180.1M · consumer $509.6M · securities $17.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 73.0% | 76th |
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.