| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.8% | +3.6 pts |
| Share growth (YoY) | +10.0% | +4.3% | +5.7 pts |
| Loan growth (YoY) | +10.0% | +4.3% | +5.7 pts |
| ROA | 0.90% | 0.62% | +0.3 pts |
| ROE | 8.7% | 5.9% | +2.8 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $658.2M | $541.8M | $541.1M | $68.5M | $1.5M | 0.90% | 2.65% | 0.12% | 31,964 |
| Q4 2025 | $632.1M | $517.6M | $530.7M | $67.0M | $4.6M | 0.73% | 2.54% | 0.27% | 31,776 |
| Q3 2025 | $637.2M | $518.4M | $531.3M | $65.5M | $3.1M | 0.64% | 2.44% | 0.31% | 31,660 |
| Q2 2025 | $609.7M | $494.1M | $520.4M | $64.2M | $1.8M | 0.58% | 2.45% | 0.25% | 31,446 |
| Q1 2025 | $607.4M | $492.5M | $492.0M | $63.2M | $773K | 0.51% | 2.36% | 0.21% | 31,116 |
| Q4 2024 | $589.0M | $475.1M | $486.4M | $62.4M | $4.4M | 0.74% | 2.43% | 0.41% | 31,064 |
| Q3 2024 | $610.6M | $475.9M | $497.4M | $61.4M | $3.3M | 0.72% | 2.35% | 0.26% | 31,033 |
| Q2 2024 | $619.2M | $486.0M | $505.3M | $60.1M | $2.0M | 0.65% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.62% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 30,966 |
Loan mix (Q1 2026): real estate $172.3M · commercial $251.2M · consumer $91.1M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 78.3% | 40th |
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.