| Metric | Coastlife Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.8% | -3.8 pts |
| Share growth (YoY) | +0.1% | +4.3% | -4.2 pts |
| Loan growth (YoY) | +8.9% | +4.3% | +4.6 pts |
| ROA | 0.43% | 0.62% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $517.5M | $458.1M | $347.0M | $60.0M | $555K | 0.43% | 3.28% | 0.99% | 34,532 |
| Q4 2025 | $516.0M | $457.2M | $339.8M | $59.5M | $1.1M | 0.21% | 3.18% | 1.37% | 34,541 |
| Q3 2025 | $508.6M | $451.9M | $344.7M | $60.4M | $673K | 0.18% | 3.17% | 1.51% | 34,666 |
| Q2 2025 | $512.2M | $456.8M | $326.0M | $59.8M | $57K | 0.02% | 3.08% | 1.61% | 35,807 |
| Q1 2025 | $512.4M | $457.8M | $318.7M | $59.3M | $-394K | -0.31% | 2.98% | 1.65% | 35,937 |
| Q4 2024 | $495.6M | $441.7M | $320.7M | $59.7M | $-197K | -0.04% | 2.85% | 2.30% | 35,967 |
| Q3 2024 | $492.9M | $438.5M | $330.7M | $60.7M | $-694K | -0.19% | 2.78% | 1.98% | 36,172 |
| Q2 2024 | $499.9M | $445.8M | $332.3M | $60.5M | $-830K | -0.33% | 2.61% |
| Ratio | Coastlife Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.62% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.20% |
| 37,171 |
Loan mix (Q1 2026): real estate $57.1M · commercial $26.0M · consumer $229.9M · securities $47.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 78.3% | 35th |
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 | Coastlife 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 | Coastlife 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 | Coastlife 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 | Coastlife 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.