| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.7 pts |
| Share growth (YoY) | +3.7% | +4.9% | -1.1 pts |
| Loan growth (YoY) | +0.7% | +5.4% | -4.8 pts |
| ROA | 1.32% | 0.71% | +0.6 pts |
| ROE | 8.4% | 6.3% | +2.1 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.00B | $817.3M | $706.8M | $157.1M | $3.3M | 1.32% | 3.57% | 1.32% | 41,218 |
| Q4 2025 | $996.7M | $814.6M | $702.3M | $153.8M | $11.2M | 1.12% | 3.42% | 1.53% | 41,097 |
| Q3 2025 | $972.9M | $793.5M | $702.6M | $151.8M | $9.2M | 1.26% | 3.47% | 1.60% | 41,290 |
| Q2 2025 | $968.8M | $793.2M | $708.4M | $148.5M | $5.8M | 1.20% | 3.43% | 1.12% | 41,097 |
| Q1 2025 | $960.1M | $787.8M | $702.1M | $146.1M | $3.4M | 1.43% | 3.41% | 0.80% | 40,942 |
| Q4 2024 | $948.6M | $777.4M | $702.0M | $145.8M | $8.4M | 0.88% | 3.16% | 1.03% | 40,961 |
| Q3 2024 | $928.7M | $763.9M | $703.8M | $139.3M | $6.0M | 0.87% | 3.39% | 0.98% | 40,987 |
| Q2 2024 | $925.3M | $752.9M | $704.8M | $136.9M | $3.6M | 0.79% | 3.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.71% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.3% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.03% |
| 40,969 |
Loan mix (Q1 2026): real estate $186.3M · commercial $368.2M · consumer $116.9M · securities $160.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 73.0% | 21th |
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% |
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