| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +5.1% | -0.0 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Loan growth (YoY) | +4.7% | +5.4% | -0.8 pts |
| ROA | 0.62% | 0.71% | -0.1 pts |
| ROE | 7.6% | 6.3% | +1.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.37B | $2.56B | $3.00B | $273.9M | $5.2M | 0.62% | 2.37% | 0.72% | 194,175 |
| Q4 2025 | $3.33B | $2.52B | $2.99B | $268.7M | $20.8M | 0.62% | 2.41% | 0.73% | 192,707 |
| Q3 2025 | $3.27B | $2.46B | $2.91B | $272.3M | $16.1M | 0.65% | 2.46% | 0.69% | 190,669 |
| Q2 2025 | $3.22B | $2.43B | $2.89B | $255.4M | $9.0M | 0.56% | 2.47% | 0.62% | 188,924 |
| Q1 2025 | $3.21B | $2.44B | $2.87B | $261.1M | $4.2M | 0.53% | 2.42% | 0.67% | 187,005 |
| Q4 2024 | $3.20B | $2.44B | $2.85B | $256.9M | $14.4M | 0.45% | 2.39% | 0.68% | 185,195 |
| Q3 2024 | $3.25B | $2.47B | $2.84B | $262.5M | $11.4M | 0.47% | 2.38% | 0.62% | 183,542 |
| Q2 2024 | $3.17B | $2.36B | $2.82B | $261.0M | $10.0M | 0.63% | 2.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.71% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.3% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.37% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 180,850 |
Loan mix (Q1 2026): real estate $1.96B · commercial $40.2M · consumer $351.7M · securities $32.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 73.0% | 36th |
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.