| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.1% | +1.7 pts |
| Share growth (YoY) | +8.3% | +4.9% | +3.4 pts |
| Loan growth (YoY) | +6.8% | +5.4% | +1.4 pts |
| ROA | 0.78% | 0.71% | +0.1 pts |
| ROE | 5.9% | 6.3% | -0.4 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.49B | $1.09B | $1.06B | $198.3M | $2.9M | 0.78% | 2.87% | 0.63% | 68,969 |
| Q4 2025 | $1.47B | $1.06B | $1.04B | $199.4M | $11.2M | 0.76% | 2.73% | 0.70% | 68,188 |
| Q3 2025 | $1.46B | $1.06B | $1.02B | $195.7M | $7.4M | 0.67% | 2.68% | 0.70% | 67,851 |
| Q2 2025 | $1.45B | $1.05B | $1.02B | $192.2M | $4.4M | 0.61% | 2.64% | 0.65% | 67,386 |
| Q1 2025 | $1.40B | $1.01B | $997.0M | $186.2M | $2.2M | 0.64% | 2.65% | 0.63% | 63,697 |
| Q4 2024 | $1.36B | $978.1M | $986.5M | $180.5M | $7.9M | 0.58% | 2.56% | 0.72% | 63,143 |
| Q3 2024 | $1.38B | $991.2M | $987.1M | $178.5M | $5.8M | 0.56% | 2.52% | 0.70% | 63,127 |
| Q2 2024 | $1.39B | $995.9M | $1.00B | $176.5M | $3.8M | 0.54% | 2.52% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.71% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.3% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 63,086 |
Loan mix (Q1 2026): real estate $419.2M · commercial $296.8M · consumer $339.3M · securities $237.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 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.