| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +7.8% | +0.7% | +7.2 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 1.45% | 0.60% | +0.8 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.3M | $68.8M | $36.7M | $16.7M | $324K | 1.45% | 2.90% | 0.52% | 3,307 |
| Q4 2025 | $89.3M | $68.9M | $37.4M | $16.3M | $1.3M | 1.50% | 2.88% | 0.34% | 3,305 |
| Q3 2025 | $86.2M | $65.6M | $38.4M | $16.0M | $1.0M | 1.56% | 2.96% | 0.44% | 3,307 |
| Q2 2025 | $83.6M | $63.6M | $38.6M | $15.7M | $667K | 1.60% | 3.01% | 0.81% | 3,372 |
| Q1 2025 | $83.5M | $63.8M | $38.2M | $15.3M | $323K | 1.55% | 2.99% | 0.23% | 3,362 |
| Q4 2024 | $81.5M | $60.8M | $39.3M | $15.0M | $1.2M | 1.47% | 2.93% | 0.24% | 3,370 |
| Q3 2024 | $79.1M | $58.9M | $39.6M | $14.7M | $876K | 1.48% | 2.95% | 0.25% | 3,361 |
| Q2 2024 | $76.7M | $56.5M | $39.4M | $14.4M | $575K | 1.50% | 2.99% | 0.51% |
| Ratio | Coast Line Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,376 |
Loan mix (Q1 2026): real estate $24.7M · commercial $0 · consumer $11.2M · securities $45.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 81.5% | 7th |
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 | Coast Line 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 | Coast Line 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 | Coast Line 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 | Coast Line 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.