| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.1% | -1.2 pts |
| Share growth (YoY) | +1.6% | +4.9% | -3.2 pts |
| Loan growth (YoY) | +6.7% | +5.4% | +1.2 pts |
| ROA | 0.38% | 0.71% | -0.3 pts |
| ROE | 3.1% | 6.3% | -3.2 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.06B | $1.78B | $1.35B | $259.1M | $2.0M | 0.38% | 2.31% | 0.08% | 64,905 |
| Q4 2025 | $2.11B | $1.77B | $1.31B | $257.1M | $9.4M | 0.45% | 2.17% | 0.16% | 64,277 |
| Q3 2025 | $1.99B | $1.73B | $1.29B | $255.0M | $7.2M | 0.48% | 2.27% | 0.17% | 63,672 |
| Q2 2025 | $1.97B | $1.73B | $1.27B | $252.2M | $4.4M | 0.45% | 2.24% | 0.11% | 63,299 |
| Q1 2025 | $1.99B | $1.75B | $1.27B | $249.2M | $1.4M | 0.29% | 2.13% | 0.21% | 63,091 |
| Q4 2024 | $1.95B | $1.73B | $1.27B | $247.8M | $2.3M | 0.12% | 1.88% | 0.13% | 62,831 |
| Q3 2024 | $1.96B | $1.71B | $1.26B | $247.7M | $2.1M | 0.14% | 1.85% | 0.10% | 62,609 |
| Q2 2024 | $2.08B | $1.71B | $1.26B | $246.9M | $1.2M | 0.12% | 1.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.71% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 6.3% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 62,456 |
Loan mix (Q1 2026): real estate $1.07B · commercial $124.5M · consumer $72.4M · securities $543.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 73.0% | 87th |
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.