| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.1% | +2.5 pts |
| Share growth (YoY) | +10.3% | +4.9% | +5.5 pts |
| Loan growth (YoY) | +9.0% | +5.4% | +3.5 pts |
| ROA | 1.02% | 0.71% | +0.3 pts |
| ROE | 10.0% | 6.3% | +3.7 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.16B | $925.1M | $935.2M | $118.6M | $3.0M | 1.02% | 3.48% | 0.17% | 45,230 |
| Q4 2025 | $1.13B | $895.1M | $931.6M | $115.6M | $11.6M | 1.03% | 3.46% | 0.27% | 44,697 |
| Q3 2025 | $1.13B | $901.8M | $918.0M | $112.1M | $8.1M | 0.95% | 3.39% | 0.25% | 44,331 |
| Q2 2025 | $1.08B | $837.0M | $891.2M | $109.2M | $5.2M | 0.95% | 3.45% | 0.33% | 43,048 |
| Q1 2025 | $1.08B | $838.6M | $858.2M | $106.2M | $2.2M | 0.81% | 3.35% | 0.35% | 42,049 |
| Q4 2024 | $1.05B | $807.6M | $846.9M | $104.0M | $11.7M | 1.11% | 3.37% | 0.56% | 40,703 |
| Q3 2024 | $1.03B | $797.4M | $832.9M | $100.9M | $8.5M | 1.10% | 3.38% | 0.61% | 40,250 |
| Q2 2024 | $1.00B | $764.9M | $792.2M | $96.7M | $5.1M | 1.01% | 3.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.71% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 6.3% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 38,411 |
Loan mix (Q1 2026): real estate $404.5M · commercial $341.7M · consumer $180.3M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 73.0% | 42th |
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.