| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +7.8% | +5.4% | +2.3 pts |
| ROA | 0.40% | 0.71% | -0.3 pts |
| ROE | 3.7% | 6.3% | -2.6 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.45B | $1.12B | $1.12B | $154.9M | $1.4M | 0.40% | 4.01% | 0.74% | 122,745 |
| Q4 2025 | $1.41B | $1.09B | $1.12B | $153.4M | $7.7M | 0.54% | 3.97% | 0.91% | 122,134 |
| Q3 2025 | $1.38B | $1.06B | $1.13B | $151.4M | $5.4M | 0.52% | 3.99% | 0.81% | 121,675 |
| Q2 2025 | $1.40B | $1.07B | $1.12B | $149.3M | $3.6M | 0.52% | 3.88% | 0.75% | 119,873 |
| Q1 2025 | $1.38B | $1.07B | $1.04B | $147.4M | $1.6M | 0.47% | 3.79% | 0.72% | 120,394 |
| Q4 2024 | $1.35B | $1.04B | $1.04B | $145.7M | $21.4M | 1.58% | 3.71% | 1.00% | 119,095 |
| Q3 2024 | $1.33B | $1.02B | $1.05B | $144.3M | $19.7M | 1.98% | 3.72% | 0.75% | 118,034 |
| Q2 2024 | $1.37B | $1.06B | $1.06B | $141.2M | $16.6M | 2.43% | 3.57% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.71% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 120,207 |
Loan mix (Q1 2026): real estate $550.3M · commercial $8.6M · consumer $519.4M · securities $46.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 73.0% | 89th |
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.