| Metric | Bay Shore Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.8% | +0.9% | +3.9 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.2 pts |
| ROA | 1.27% | 0.65% | +0.6 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.2M | $38.7M | $19.5M | $9.0M | $306K | 1.27% | 3.99% | 0.27% | 3,303 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bay Shore Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,350 |
| Q2 2024 | $44.1M | $36.0M | $19.8M | $7.5M | $400K | 1.81% | 3.94% | 0.51% | 3,352 |
Loan mix (Q2 2026): real estate $3.4M · commercial $0 · consumer $13.5M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 80.6% | 31st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Marinette, WI, ranked 9th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marinette, WI | 2 | $25.8M* | 1.75% | 9th |
| Spokane, WA | 1 | $12.9M* | 0.06% | 36th |
Wisconsin: 273rd with 0.01% · Washington: 150th with 0.00% · Spokane-Spokane Valley metro: 37th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3