| Metric | Five Star Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +5.1% | -2.7 pts |
| Share growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Loan growth (YoY) | +13.9% | +5.4% | +8.4 pts |
| ROA | 1.03% | 0.71% | +0.3 pts |
| ROE | 7.6% | 6.3% | +1.3 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.25B | $1.09B | $852.2M | $170.6M | $3.2M | 1.03% | 3.33% | 1.34% | 66,938 |
| Q4 2025 | $1.24B | $1.07B | $839.5M | $167.4M | $11.4M | 0.92% | 3.19% | 1.22% | 66,451 |
| Q3 2025 | $1.22B | $1.06B | $793.4M | $164.9M | $8.4M | 0.91% | 3.16% | 1.51% | 66,407 |
| Q2 2025 | $1.22B | $1.06B | $759.4M | $161.6M | $5.1M | 0.83% | 3.13% | 1.64% | 65,926 |
| Q1 2025 | $1.22B | $1.07B | $748.3M | $159.2M | $2.7M | 0.88% | 3.09% | 0.93% | 65,435 |
| Q4 2024 | $1.19B | $1.05B | $768.7M | $156.5M | $5.6M | 0.47% | 2.84% | 0.83% | 65,097 |
| Q3 2024 | $1.19B | $1.04B | $766.4M | $154.1M | $2.2M | 0.25% | 2.68% | 0.69% | 64,955 |
| Q2 2024 | $1.16B | $997.9M | $749.0M | $150.7M | $-1.2M | -0.21% | 2.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Five Star Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.71% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.3% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 64,582 |
Loan mix (Q1 2026): real estate $313.3M · commercial $246.1M · consumer $233.3M · securities $135.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 73.0% | 58th |
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 | Five Star 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 | Five Star 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 | Five Star 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 | Five Star 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.