| Metric | Bridge Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.9% | +4.5 pts |
| Share growth (YoY) | +8.9% | +3.3% | +5.6 pts |
| Loan growth (YoY) | +19.3% | +2.9% | +16.4 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.1 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $256.2M | $227.0M | $166.0M | $25.9M | $185K | 0.29% | 4.41% | 0.75% | 18,709 |
| Q4 2025 | $250.9M | $221.0M | $161.3M | $25.7M | $1.3M | 0.50% | 4.44% | 0.53% | 18,704 |
| Q3 2025 | $245.7M | $216.9M | $153.9M | $25.4M | $919K | 0.50% | 4.42% | 0.33% | 18,891 |
| Q2 2025 | $243.0M | $214.7M | $138.3M | $25.1M | $636K | 0.52% | 4.38% | 0.50% | 19,028 |
| Q1 2025 | $236.4M | $208.4M | $139.1M | $24.8M | $248K | 0.42% | 4.37% | 0.54% | 19,241 |
| Q4 2024 | $231.4M | $204.4M | $136.1M | $24.5M | $1.4M | 0.60% | 4.50% | 0.60% | 20,309 |
| Q3 2024 | $230.3M | $202.5M | $134.8M | $24.3M | $1.1M | 0.65% | 4.42% | 0.50% | 20,749 |
| Q2 2024 | $222.2M | $194.7M | $129.5M | $24.1M | $883K | 0.80% | 4.43% |
| Ratio | Bridge Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 21,925 |
Loan mix (Q1 2026): real estate $55.8M · commercial $17.9M · consumer $83.9M · securities $35.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 78.7% | 72th |
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 | Bridge 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 | Bridge 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 | Bridge 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 | Bridge 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.