| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Share growth (YoY) | +2.0% | +4.9% | -2.8 pts |
| Loan growth (YoY) | +0.4% | +5.4% | -5.0 pts |
| ROA | 0.57% | 0.71% | -0.1 pts |
| ROE | 6.3% | 6.3% | +0.0 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.07B | $3.64B | $2.85B | $368.9M | $5.8M | 0.57% | 3.79% | 2.09% | 357,321 |
| Q4 2025 | $4.01B | $3.58B | $2.81B | $370.1M | $26.9M | 0.67% | 3.64% | 2.01% | 353,871 |
| Q3 2025 | $3.94B | $3.52B | $2.89B | $378.2M | $20.2M | 0.68% | 3.66% | 1.86% | 351,876 |
| Q2 2025 | $3.94B | $3.54B | $2.86B | $369.8M | $11.8M | 0.60% | 3.51% | 1.89% | 347,778 |
| Q1 2025 | $3.96B | $3.57B | $2.84B | $363.4M | $5.4M | 0.55% | 3.34% | 1.62% | 343,182 |
| Q4 2024 | $3.92B | $3.45B | $2.87B | $358.0M | $30.3M | 0.77% | 3.48% | 1.89% | 337,790 |
| Q3 2024 | $3.93B | $3.42B | $2.93B | $368.7M | $25.7M | 0.87% | 3.51% | 1.46% | 332,896 |
| Q2 2024 | $3.89B | $3.34B | $2.89B | $363.1M | $20.1M | 1.04% | 3.59% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.71% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.3% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.38% |
| 336,162 |
Loan mix (Q1 2026): real estate $1.74B · commercial $355.4M · consumer $602.9M · securities $611.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 73.0% | 59th |
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.