| Metric | Goetz Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.9 pts |
| ROA | 0.91% | 0.60% | +0.3 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.9M | $77.1M | $52.9M | $13.9M | $208K | 0.91% | 4.04% | 0.58% | 13,407 |
| Q4 2025 | $88.1M | $74.4M | $54.3M | $13.7M | $1.1M | 1.21% | 4.26% | 0.35% | 13,372 |
| Q3 2025 | $87.1M | $73.3M | $54.1M | $13.5M | $924K | 1.41% | 4.29% | 0.64% | 13,447 |
| Q2 2025 | $87.3M | $74.2M | $53.9M | $13.2M | $578K | 1.32% | 4.21% | 0.24% | 13,395 |
| Q1 2025 | $88.3M | $74.9M | $53.1M | $12.8M | $262K | 1.19% | 4.06% | 0.57% | 13,287 |
| Q4 2024 | $83.7M | $71.2M | $53.2M | $12.6M | $1.2M | 1.41% | 4.34% | 0.59% | 13,222 |
| Q3 2024 | $83.7M | $71.5M | $54.6M | $12.4M | $1.0M | 1.62% | 4.33% | 0.55% | 13,213 |
| Q2 2024 | $83.1M | $71.0M | $56.2M | $12.0M | $590K | 1.42% | 4.23% | 0.62% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Goetz Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 13,134 |
Loan mix (Q1 2026): real estate $4.6M · commercial $0 · consumer $42.7M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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 | Goetz 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 | Goetz 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 | Goetz 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 | Goetz 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.