| Metric | 802 Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.4% | +4.8% | +12.6 pts |
| Share growth (YoY) | +16.9% | +4.3% | +12.6 pts |
| Loan growth (YoY) | +21.5% | +4.3% | +17.2 pts |
| ROA | 1.19% | 0.62% | +0.6 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $500.3M | $434.4M | $378.7M | $62.3M | $1.5M | 1.19% | 4.93% | 1.26% | 42,126 |
| Q4 2025 | $491.7M | $427.7M | $376.3M | $60.8M | $5.7M | 1.16% | 4.55% | 1.05% | 45,490 |
| Q3 2025 | $431.7M | $374.1M | $333.0M | $54.0M | $4.8M | 1.48% | 5.04% | 0.96% | 37,546 |
| Q2 2025 | $428.1M | $371.8M | $321.9M | $52.4M | $3.3M | 1.53% | 5.03% | 0.91% | 37,296 |
| Q1 2025 | $426.1M | $371.8M | $311.7M | $50.8M | $1.7M | 1.56% | 4.97% | 1.15% | 37,260 |
| Q4 2024 | $416.4M | $364.0M | $309.2M | $49.2M | $7.9M | 1.89% | 5.14% | 1.31% | 37,162 |
| Q3 2024 | $403.5M | $352.2M | $301.6M | $47.9M | $6.6M | 2.17% | 5.26% | 1.28% | 37,021 |
| Q2 2024 | $402.5M | $353.7M | $292.5M | $45.7M | $4.4M | 2.17% | 5.22% |
| Ratio | 802 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.62% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.10% |
| 36,936 |
Loan mix (Q1 2026): real estate $271.5M · commercial $88K · consumer $97.8M · securities $24.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.3% | 32th |
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 | 802 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 | 802 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 | 802 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 | 802 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.