| Metric | Gulf Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.1 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +12.7% | +2.9% | +9.8 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $348.5M | $313.3M | $199.4M | $34.2M | $302K | 0.35% | 3.39% | 0.37% | 24,643 |
| Q4 2025 | $340.4M | $306.0M | $190.5M | $33.9M | $945K | 0.28% | 3.17% | 0.43% | 24,442 |
| Q3 2025 | $328.1M | $295.7M | $183.7M | $33.6M | $397K | 0.16% | 3.25% | 0.24% | 24,283 |
| Q2 2025 | $326.2M | $294.7M | $180.6M | $33.7M | $499K | 0.31% | 3.16% | 1.33% | 24,154 |
| Q1 2025 | $325.6M | $294.8M | $176.9M | $33.3M | $112K | 0.14% | 3.02% | 1.33% | 24,377 |
| Q4 2024 | $312.8M | $283.6M | $174.5M | $33.5M | $1.2M | 0.38% | 2.97% | 1.37% | 24,149 |
| Q3 2024 | $316.1M | $285.6M | $175.5M | $33.4M | $849K | 0.36% | 2.91% | 1.52% | 23,993 |
| Q2 2024 | $317.8M | $288.0M | $171.0M | $33.2M | $634K | 0.40% | 2.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Gulf Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 23,726 |
Loan mix (Q1 2026): real estate $34.6M · commercial $33.4M · consumer $116.1M · securities $66.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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 | Gulf 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 | Gulf 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 | Gulf 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 | Gulf 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.