| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.1% | -0.4 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +13.8% | +5.4% | +8.3 pts |
| ROA | 0.58% | 0.71% | -0.1 pts |
| ROE | 5.8% | 6.3% | -0.5 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.63B | $1.43B | $1.00B | $163.4M | $2.4M | 0.58% | 3.34% | 0.68% | 85,883 |
| Q4 2025 | $1.60B | $1.41B | $986.0M | $161.1M | $9.8M | 0.61% | 3.24% | 0.61% | 84,827 |
| Q3 2025 | $1.57B | $1.38B | $967.2M | $158.1M | $6.7M | 0.57% | 3.26% | 0.52% | 84,368 |
| Q2 2025 | $1.55B | $1.37B | $932.0M | $155.2M | $3.8M | 0.49% | 3.22% | 0.51% | 83,425 |
| Q1 2025 | $1.55B | $1.38B | $880.0M | $153.0M | $1.6M | 0.42% | 3.13% | 0.43% | 82,189 |
| Q4 2024 | $1.50B | $1.33B | $879.5M | $151.4M | $15.0M | 1.00% | 3.05% | 0.75% | 81,518 |
| Q3 2024 | $1.50B | $1.33B | $862.5M | $150.0M | $13.5M | 1.20% | 3.02% | 0.94% | 82,954 |
| Q2 2024 | $1.48B | $1.31B | $846.0M | $146.9M | $10.4M | 1.41% | 3.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.71% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 6.3% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 82,049 |
Loan mix (Q1 2026): real estate $437.4M · commercial $94.8M · consumer $436.7M · securities $364.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 73.0% | 64th |
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.