| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.1% | -3.1 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +10.8% | +5.4% | +5.4 pts |
| ROA | 1.72% | 0.71% | +1.0 pts |
| ROE | 8.8% | 6.3% | +2.5 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.50B | $1.05B | $1.30B | $293.4M | $6.5M | 1.72% | 3.61% | 0.36% | 84,905 |
| Q4 2025 | $1.49B | $1.04B | $1.27B | $287.0M | $24.0M | 1.62% | 3.38% | 0.55% | 84,649 |
| Q3 2025 | $1.48B | $1.05B | $1.22B | $282.2M | $17.5M | 1.58% | 3.32% | 0.51% | 89,394 |
| Q2 2025 | $1.50B | $1.06B | $1.21B | $275.4M | $10.7M | 1.42% | 3.15% | 0.52% | 90,474 |
| Q1 2025 | $1.47B | $1.02B | $1.17B | $269.8M | $5.0M | 1.36% | 3.13% | 0.39% | 90,304 |
| Q4 2024 | $1.44B | $1.00B | $1.15B | $264.8M | $17.7M | 1.23% | 2.93% | 0.54% | 90,115 |
| Q3 2024 | $1.45B | $1.01B | $1.14B | $261.9M | $13.0M | 1.19% | 2.87% | 0.53% | 92,283 |
| Q2 2024 | $1.48B | $1.03B | $1.15B | $256.8M | $7.9M | 1.06% | 2.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.71% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 6.3% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 93,057 |
Loan mix (Q1 2026): real estate $651.6M · commercial $436.2M · consumer $204.4M · securities $93.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 73.0% | 7th |
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.