| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +5.1% | -3.6 pts |
| Share growth (YoY) | +0.5% | +4.9% | -4.4 pts |
| Loan growth (YoY) | +7.5% | +5.4% | +2.0 pts |
| ROA | 1.27% | 0.71% | +0.6 pts |
| ROE | 12.6% | 6.3% | +6.4 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.47B | $1.30B | $1.01B | $147.6M | $4.7M | 1.27% | 3.81% | 0.99% | 78,925 |
| Q4 2025 | $1.45B | $1.29B | $1.01B | $142.9M | $11.7M | 0.81% | 3.56% | 1.78% | 78,197 |
| Q3 2025 | $1.43B | $1.27B | $987.4M | $140.9M | $9.6M | 0.89% | 3.55% | 0.46% | 77,435 |
| Q2 2025 | $1.44B | $1.29B | $972.9M | $138.5M | $7.3M | 1.01% | 3.43% | 1.91% | 77,448 |
| Q1 2025 | $1.45B | $1.30B | $942.5M | $137.5M | $3.7M | 1.01% | 3.32% | 1.39% | 77,143 |
| Q4 2024 | $1.42B | $1.26B | $935.8M | $133.8M | $11.8M | 0.83% | 3.26% | 0.50% | 76,698 |
| Q3 2024 | $1.42B | $1.26B | $922.0M | $131.7M | $9.6M | 0.91% | 3.22% | 0.94% | 76,398 |
| Q2 2024 | $1.40B | $1.25B | $901.7M | $128.9M | $6.8M | 0.97% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.71% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 6.3% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 76,037 |
Loan mix (Q1 2026): real estate $468.9M · commercial $274.5M · consumer $248.5M · securities $265.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 73.0% | 32th |
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.