| Metric | Westmark Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +5.1% | +5.3 pts |
| Share growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Loan growth (YoY) | +12.7% | +5.4% | +7.2 pts |
| ROA | 0.43% | 0.71% | -0.3 pts |
| ROE | 5.4% | 6.3% | -0.9 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.62B | $1.39B | $1.43B | $129.8M | $1.7M | 0.43% | 3.40% | 0.30% | 83,827 |
| Q4 2025 | $1.63B | $1.35B | $1.42B | $128.5M | $7.2M | 0.44% | 3.06% | 0.29% | 82,683 |
| Q3 2025 | $1.60B | $1.33B | $1.40B | $126.3M | $4.9M | 0.41% | 3.01% | 0.27% | 81,910 |
| Q2 2025 | $1.57B | $1.29B | $1.36B | $124.3M | $3.0M | 0.38% | 2.95% | 0.26% | 79,844 |
| Q1 2025 | $1.47B | $1.30B | $1.27B | $122.6M | $1.3M | 0.34% | 2.99% | 0.25% | 77,221 |
| Q4 2024 | $1.44B | $1.26B | $1.23B | $121.8M | $7.5M | 0.52% | 2.77% | 0.26% | 76,379 |
| Q3 2024 | $1.44B | $1.25B | $1.23B | $120.5M | $6.2M | 0.57% | 2.69% | 0.28% | 76,216 |
| Q2 2024 | $1.44B | $1.24B | $1.21B | $119.2M | $4.8M | 0.67% | 2.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Westmark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.71% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 6.3% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.12% |
| 75,079 |
Loan mix (Q1 2026): real estate $439.9M · commercial $116.9M · consumer $663.4M · securities $75.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 73.0% | 50th |
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 | Westmark Credit Union | 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 | Westmark Credit Union | 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 | Westmark Credit Union | 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 | Westmark Credit Union | 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.