| Metric | Glatco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -9.6% | -2.4% | -7.3 pts |
| ROA | 1.73% | 0.60% | +1.1 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.8M | $45.2M | $9.5M | $8.6M | $233K | 1.73% | 3.33% | 1.22% | 2,982 |
| Q4 2025 | $51.8M | $43.4M | $10.0M | $8.3M | $865K | 1.67% | 3.59% | 1.41% | 3,017 |
| Q3 2025 | $51.6M | $43.4M | $10.4M | $8.2M | $698K | 1.80% | 3.59% | 0.55% | 3,009 |
| Q2 2025 | $52.0M | $44.1M | $10.7M | $7.8M | $363K | 1.39% | 3.51% | 2.21% | 3,002 |
| Q1 2025 | $51.8M | $44.1M | $10.5M | $7.6M | $162K | 1.25% | 3.38% | 1.98% | 3,014 |
| Q4 2024 | $50.3M | $42.8M | $10.5M | $7.5M | $670K | 1.33% | 3.32% | 2.08% | 3,055 |
| Q3 2024 | $50.7M | $43.4M | $10.6M | $7.2M | $431K | 1.13% | 3.24% | 2.26% | 3,038 |
| Q2 2024 | $51.4M | $44.3M | $10.6M | $7.3M | $278K | 1.08% | 3.03% | 1.19% |
| Ratio | Glatco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,046 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $5.9M · securities $28.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 81.5% | 7th |
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 | Glatco 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 | Glatco 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 | Glatco 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 | Glatco 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.