| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.1% | +3.1 pts |
| Share growth (YoY) | +7.6% | +4.9% | +2.8 pts |
| Loan growth (YoY) | +12.6% | +5.4% | +7.2 pts |
| ROA | 1.01% | 0.71% | +0.3 pts |
| ROE | 10.0% | 6.3% | +3.7 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.86B | $3.40B | $3.16B | $389.7M | $9.7M | 1.01% | 3.13% | 0.35% | 268,370 |
| Q4 2025 | $3.74B | $3.29B | $3.06B | $380.2M | $40.8M | 1.09% | 2.96% | 0.51% | 265,405 |
| Q3 2025 | $3.70B | $3.29B | $2.95B | $369.1M | $30.0M | 1.08% | 2.90% | 0.37% | 264,599 |
| Q2 2025 | $3.58B | $3.20B | $2.88B | $354.7M | $15.7M | 0.87% | 2.90% | 0.47% | 262,593 |
| Q1 2025 | $3.57B | $3.16B | $2.80B | $343.6M | $4.6M | 0.51% | 2.78% | 0.35% | 258,478 |
| Q4 2024 | $3.17B | $2.82B | $2.65B | $318.7M | $37.7M | 1.19% | 2.67% | 0.48% | 243,635 |
| Q3 2024 | $3.12B | $2.78B | $2.65B | $310.3M | $29.4M | 1.26% | 2.65% | 0.49% | 243,731 |
| Q2 2024 | $3.06B | $2.72B | $2.61B | $300.4M | $19.5M | 1.27% | 2.62% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.71% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 6.3% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 240,329 |
Loan mix (Q1 2026): real estate $1.26B · commercial $945.4M · consumer $870.7M · securities $421.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 73.0% | 17th |
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.