| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $324.1M | $289.7M | $192.0M | $30.4M | $457K | 0.56% | 3.78% | 0.60% | 18,826 |
| Q4 2025 | $312.7M | $279.4M | $192.4M | $30.0M | $1.7M | 0.55% | 3.85% | 0.55% | 18,877 |
| Q3 2025 | $307.7M | $273.6M | $195.1M | $29.5M | $1.2M | 0.52% | 3.86% | 0.75% | 18,990 |
| Q2 2025 | $317.5M | $282.3M | $197.4M | $29.1M | $758K | 0.48% | 3.66% | 0.70% | 19,006 |
| Q1 2025 | $319.5M | $284.3M | $195.7M | $28.7M | $405K | 0.51% | 3.52% | 0.66% | 19,028 |
| Q4 2024 | $311.4M | $276.9M | $193.4M | $28.3M | $1.1M | 0.35% | 3.34% | 0.83% | 19,116 |
| Q3 2024 | $304.5M | $271.5M | $189.5M | $28.0M | $742K | 0.32% | 3.37% | 0.99% | 19,157 |
| Q2 2024 | $311.7M | $278.2M | $188.3M | $27.7M | $598K | 0.38% | 3.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | 360 Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 19,254 |
Loan mix (Q1 2026): real estate $121.5M · commercial $24.5M · consumer $43.0M · securities $86.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 78.7% | 75th |
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 | 360 Federal 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 | 360 Federal 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 | 360 Federal 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 | 360 Federal 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.