| Metric | Del Norte Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +5.3% | +5.4% | -0.2 pts |
| ROA | 0.98% | 0.71% | +0.3 pts |
| ROE | 10.3% | 6.3% | +4.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.47B | $1.32B | $990.2M | $139.6M | $3.6M | 0.98% | 3.89% | 0.52% | 67,873 |
| Q4 2025 | $1.42B | $1.27B | $971.8M | $137.1M | $14.8M | 1.04% | 3.81% | 0.69% | 67,384 |
| Q3 2025 | $1.39B | $1.25B | $969.3M | $132.6M | $10.3M | 0.98% | 3.81% | 0.48% | 67,054 |
| Q2 2025 | $1.39B | $1.25B | $953.8M | $129.2M | $6.9M | 0.99% | 3.67% | 0.49% | 66,564 |
| Q1 2025 | $1.39B | $1.25B | $940.8M | $125.1M | $2.8M | 0.80% | 3.51% | 0.49% | 65,673 |
| Q4 2024 | $1.30B | $1.17B | $925.2M | $123.4M | $11.9M | 0.92% | 3.43% | 0.60% | 64,470 |
| Q3 2024 | $1.26B | $1.13B | $915.3M | $120.4M | $8.9M | 0.95% | 3.47% | 0.45% | 63,947 |
| Q2 2024 | $1.19B | $1.07B | $906.0M | $117.7M | $6.3M | 1.05% | 3.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Del Norte Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.71% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.3% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 63,232 |
Loan mix (Q1 2026): real estate $383.4M · commercial $20.2M · consumer $570.7M · securities $55.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 73.0% | 20th |
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 | Del Norte 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 | Del Norte 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 | Del Norte 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 | Del Norte 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.