| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.1% | +2.7 pts |
| Share growth (YoY) | +7.2% | +4.9% | +2.4 pts |
| Loan growth (YoY) | +5.2% | +5.4% | -0.3 pts |
| ROA | 0.89% | 0.71% | +0.2 pts |
| ROE | 9.1% | 6.3% | +2.9 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.89B | $1.69B | $1.17B | $183.8M | $4.2M | 0.89% | 3.31% | 0.17% | 97,218 |
| Q4 2025 | $1.85B | $1.65B | $1.17B | $179.6M | $19.0M | 1.02% | 3.14% | 0.20% | 96,220 |
| Q3 2025 | $1.82B | $1.63B | $1.16B | $176.1M | $14.6M | 1.07% | 3.12% | 0.32% | 95,228 |
| Q2 2025 | $1.78B | $1.59B | $1.14B | $172.1M | $10.5M | 1.18% | 3.13% | 0.25% | 93,174 |
| Q1 2025 | $1.76B | $1.58B | $1.12B | $164.7M | $3.2M | 0.72% | 3.05% | 0.18% | 92,630 |
| Q4 2024 | $1.69B | $1.53B | $1.11B | $161.6M | $11.3M | 0.67% | 2.91% | 0.16% | 91,766 |
| Q3 2024 | $1.66B | $1.50B | $1.10B | $158.8M | $7.6M | 0.61% | 2.92% | 0.13% | 91,168 |
| Q2 2024 | $1.64B | $1.48B | $1.09B | $156.2M | $5.0M | 0.61% | 2.90% |
| Ratio | Bay Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.71% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.3% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 90,095 |
Loan mix (Q1 2026): real estate $600.6M · commercial $34.0M · consumer $472.3M · securities $419.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 73.0% | 41th |
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 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 | Bay 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 | Bay 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 | Bay 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.