| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.8% | +2.6 pts |
| Share growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| Loan growth (YoY) | +15.1% | +4.3% | +10.7 pts |
| ROA | 0.96% | 0.62% | +0.3 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $560.0M | $496.6M | $294.2M | $58.2M | $1.3M | 0.96% | 2.97% | 0.16% | 24,456 |
| Q4 2025 | $543.8M | $481.8M | $288.9M | $56.8M | $5.3M | 0.97% | 2.85% | 0.17% | 24,399 |
| Q3 2025 | $529.6M | $469.0M | $284.6M | $55.0M | $3.5M | 0.87% | 2.85% | 0.33% | 24,392 |
| Q2 2025 | $532.8M | $473.5M | $265.5M | $53.6M | $2.1M | 0.79% | 2.73% | 0.40% | 24,243 |
| Q1 2025 | $521.8M | $464.0M | $255.7M | $52.5M | $995K | 0.76% | 2.64% | 0.14% | 24,172 |
| Q4 2024 | $510.8M | $452.8M | $255.2M | $51.5M | $2.9M | 0.58% | 2.28% | 0.14% | 24,092 |
| Q3 2024 | $493.5M | $438.0M | $254.7M | $51.9M | $3.3M | 0.88% | 2.65% | 0.15% | 24,087 |
| Q2 2024 | $498.8M | $444.9M | $250.8M | $50.5M | $1.9M | 0.77% | 2.55% |
| Ratio | Dutch Point Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.62% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 23,984 |
Loan mix (Q1 2026): real estate $202.0M · commercial $11.4M · consumer $78.6M · securities $179.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 78.3% | 29th |
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 | Dutch Point 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 | Dutch Point 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 | Dutch Point 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 | Dutch Point 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.