| Metric | Gale Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +1.3% | +10.4 pts |
| Share growth (YoY) | +12.4% | +0.7% | +11.8 pts |
| Loan growth (YoY) | +16.3% | -2.4% | +18.7 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 8.7% | 4.1% | +4.6 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.0M | $61.2M | $44.2M | $7.7M | $167K | 0.97% | 3.87% | 0.31% | 4,689 |
| Q4 2025 | $67.6M | $59.8M | $43.6M | $7.5M | $605K | 0.89% | 3.76% | 0.38% | 4,702 |
| Q3 2025 | $65.4M | $57.8M | $41.0M | $7.4M | $493K | 1.00% | 3.82% | 0.20% | 4,735 |
| Q2 2025 | $65.4M | $57.4M | $39.8M | $7.2M | $314K | 0.96% | 3.68% | 0.23% | 4,820 |
| Q1 2025 | $61.8M | $54.5M | $38.0M | $7.1M | $186K | 1.21% | 3.78% | 0.18% | 4,781 |
| Q4 2024 | $59.9M | $52.8M | $37.2M | $6.9M | $468K | 0.78% | 3.70% | 0.43% | 5,004 |
| Q3 2024 | $58.2M | $51.1M | $34.9M | $6.8M | $397K | 0.91% | 3.77% | 0.20% | 5,013 |
| Q2 2024 | $59.8M | $52.6M | $35.2M | $6.7M | $231K | 0.77% | 3.58% | 0.19% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,048 |
Loan mix (Q1 2026): real estate $20.2M · commercial $2.8M · consumer $19.2M · securities $20.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 81.5% | 39th |
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 | Gale 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 | Gale 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 | Gale 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 | Gale 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.