| Metric | Bay Shore Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +8.6% | +0.7% | +8.0 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.1 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.4M | $39.0M | $18.9M | $8.8M | $87K | 0.72% | 3.94% | 0.13% | 3,301 |
| Q4 2025 | $46.3M | $37.2M | $19.6M | $8.7M | $692K | 1.50% | 4.22% | 0.22% | 3,322 |
| Q3 2025 | $46.0M | $36.8M | $19.3M | $8.4M | $374K | 1.08% | 4.23% | 0.38% | 3,316 |
| Q2 2025 | $46.0M | $36.9M | $19.0M | $8.5M | $454K | 1.98% | 4.18% | 0.26% | 3,317 |
| Q1 2025 | $44.6M | $35.9M | $18.6M | $8.2M | $222K | 1.99% | 4.21% | 0.31% | 3,323 |
| Q4 2024 | $43.4M | $34.9M | $19.2M | $8.0M | $876K | 2.02% | 4.17% | 0.40% | 3,348 |
| Q3 2024 | $44.1M | $35.8M | $19.7M | $7.8M | $629K | 1.90% | 4.03% | 0.47% | 3,350 |
| Q2 2024 | $44.1M | $36.0M | $19.8M | $7.5M | $400K | 1.81% | 3.94% | 0.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Bay Shore Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,352 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $12.9M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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 Shore 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 Shore 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 Shore 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 Shore 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.