| Metric | Bay Area Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.0% | +3.9% | +23.1 pts |
| Share growth (YoY) | +28.0% | +3.3% | +24.7 pts |
| Loan growth (YoY) | +18.1% | +2.9% | +15.2 pts |
| ROA | 0.58% | 0.69% | -0.1 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $108.6M | $94.8M | $50.9M | $12.3M | $158K | 0.58% | 3.51% | 0.92% | 7,400 |
| Q4 2025 | $105.5M | $92.0M | $52.2M | $12.1M | $677K | 0.64% | 3.00% | 1.07% | 7,488 |
| Q3 2025 | $85.5M | $74.0M | $42.9M | $11.8M | $334K | 0.52% | 3.37% | 0.82% | 5,399 |
| Q2 2025 | $86.9M | $75.4M | $42.8M | $11.7M | $214K | 0.49% | 3.22% | 0.73% | 5,420 |
| Q1 2025 | $85.4M | $74.1M | $43.1M | $11.6M | $101K | 0.47% | 3.11% | 0.48% | 5,410 |
| Q4 2024 | $81.4M | $70.4M | $43.6M | $11.5M | $540K | 0.66% | 3.21% | 0.77% | 5,449 |
| Q3 2024 | $81.6M | $70.6M | $44.6M | $11.4M | $406K | 0.66% | 3.17% | 0.81% | 5,484 |
| Q2 2024 | $80.7M | $69.8M | $45.4M | $11.3M | $274K | 0.68% | 3.14% | 0.39% |
| Ratio | Bay Area Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,508 |
Loan mix (Q1 2026): real estate $18.0M · commercial $0 · consumer $27.7M · securities $38.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 78.7% | 83th |
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 | Bay Area 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 | Bay Area 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 | Bay Area 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 | Bay Area 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.