| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +5.1% | +6.0 pts |
| Share growth (YoY) | +11.8% | +4.9% | +6.9 pts |
| Loan growth (YoY) | +10.4% | +5.4% | +5.0 pts |
| ROA | 0.57% | 0.71% | -0.1 pts |
| ROE | 5.1% | 6.3% | -1.2 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.33B | $2.74B | $2.72B | $374.3M | $4.8M | 0.57% | 2.96% | 0.70% | 170,035 |
| Q4 2025 | $3.33B | $2.73B | $2.65B | $368.9M | $13.2M | 0.39% | 2.74% | 0.74% | 169,630 |
| Q3 2025 | $3.14B | $2.56B | $2.55B | $366.7M | $10.5M | 0.44% | 2.95% | 0.72% | 169,401 |
| Q2 2025 | $3.06B | $2.48B | $2.58B | $363.6M | $7.4M | 0.48% | 2.95% | 0.72% | 167,827 |
| Q1 2025 | $3.00B | $2.45B | $2.46B | $359.0M | $2.8M | 0.37% | 2.95% | 0.64% | 166,477 |
| Q4 2024 | $2.96B | $2.37B | $2.46B | $356.2M | $12.8M | 0.43% | 2.67% | 0.46% | 164,973 |
| Q3 2024 | $2.89B | $2.33B | $2.28B | $354.6M | $10.6M | 0.49% | 2.69% | 0.47% | 163,950 |
| Q2 2024 | $2.84B | $2.28B | $2.21B | $350.5M | $6.5M | 0.46% | 2.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.71% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 6.3% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 161,432 |
Loan mix (Q1 2026): real estate $1.25B · commercial $645.2M · consumer $707.7M · securities $248.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 73.0% | 54th |
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.