| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.8% | +2.3 pts |
| Share growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| ROA | 1.70% | 0.62% | +1.1 pts |
| ROE | 13.9% | 5.9% | +8.0 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $818.0M | $712.3M | $516.6M | $100.1M | $3.5M | 1.70% | 3.62% | 0.56% | 61,123 |
| Q4 2025 | $791.3M | $690.9M | $507.7M | $96.7M | $11.9M | 1.50% | 3.63% | 0.79% | 60,527 |
| Q3 2025 | $775.7M | $678.8M | $504.4M | $93.7M | $9.0M | 1.54% | 3.64% | 0.71% | 60,086 |
| Q2 2025 | $775.2M | $681.1M | $492.2M | $90.4M | $5.4M | 1.40% | 3.55% | 0.62% | 59,135 |
| Q1 2025 | $764.0M | $674.2M | $484.9M | $87.3M | $2.4M | 1.24% | 3.53% | 0.64% | 58,419 |
| Q4 2024 | $738.3M | $655.3M | $458.7M | $85.0M | $10.6M | 1.43% | 3.37% | 0.80% | 57,406 |
| Q3 2024 | $734.8M | $649.3M | $450.8M | $83.7M | $9.3M | 1.68% | 3.33% | 0.65% | 56,791 |
| Q2 2024 | $724.0M | $639.2M | $460.5M | $81.1M | $6.6M | 1.81% | 3.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.62% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 56,539 |
Loan mix (Q1 2026): real estate $192.7M · commercial $18.7M · consumer $276.2M · securities $209.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 78.3% | 8th |
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.