| Metric | 44 North Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +3.9% | -10.0 pts |
| Share growth (YoY) | -7.7% | +3.3% | -10.9 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.1 pts |
| ROA | 0.43% | 0.69% | -0.3 pts |
| ROE | 3.3% | 5.9% | -2.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.9M | $135.6M | $106.6M | $20.0M | $167K | 0.43% | 5.07% | 1.94% | 9,761 |
| Q4 2025 | $164.3M | $143.3M | $108.7M | $19.8M | $784K | 0.48% | 5.10% | 2.15% | 10,069 |
| Q3 2025 | $169.1M | $148.3M | $108.8M | $19.8M | $629K | 0.50% | 5.01% | 2.00% | 10,538 |
| Q2 2025 | $168.8M | $148.2M | $111.2M | $19.6M | $437K | 0.52% | 4.99% | 2.01% | 11,007 |
| Q1 2025 | $167.1M | $146.8M | $109.0M | $19.5M | $251K | 0.60% | 5.07% | 2.20% | 11,317 |
| Q4 2024 | $164.9M | $144.9M | $116.9M | $19.2M | $954K | 0.58% | 5.72% | 1.80% | 11,586 |
| Q3 2024 | $160.5M | $140.9M | $124.4M | $19.1M | $691K | 0.57% | 5.91% | 1.93% | 12,203 |
| Q2 2024 | $161.6M | $141.9M | $123.0M | $18.9M | $460K | 0.57% | 5.97% |
| Ratio | 44 North Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.69% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.85% |
| 13,064 |
Loan mix (Q1 2026): real estate $50.0M · commercial $0 · consumer $33.4M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 78.7% | 39th |
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 | 44 North 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 | 44 North 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 | 44 North 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 | 44 North 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.