Competitive Benchmarking Intelligence

Executive Summary

Q4 2025 • Peer Group: Medium CUs ($250M-$1B) (127 institutions)

67th
Overall Percentile
67th
Financial
71st
Growth
65th
Efficiency
72nd
Risk
73rd
Digital

✓ Competitive Strengths

Return on Assets +9.2%
Loan Growth +20.6%
Digital Adoption +6.2pp

↑ Improvement Opportunities

Digital Adoption +9.7pp to reach top quartile
ROA Improvement +0.24pp potential
Efficiency Gains -6.9pp reduction opportunity

Key Competitive Insights

Overall 67th Percentile Position
You rank above the peer median across most dimensions.

⚠️ Competitive Insights Requiring Action

1 pending

Digital Transformation

Digital adoption 6.2pp below peer average (68.5% vs 62.3% peer avg, but 9.7pp gap to top quartile)

Strategic Recommendations

1
Accelerate Digital Transformation
Close 9.7pp gap to top quartile.
Expected: Move from 73rd to 85th+ percentile