| Metric | H.P.C. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +3.9% | +6.3 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 6.7% | 5.9% | +0.8 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 | $171.0M | $145.4M | $95.6M | $23.1M | $389K | 0.91% | 3.43% | 0.16% | 7,590 |
| Q4 2025 | $158.9M | $135.9M | $93.9M | $22.7M | $1.2M | 0.74% | 3.53% | 0.54% | 7,582 |
| Q3 2025 | $155.8M | $132.8M | $94.1M | $22.4M | $835K | 0.71% | 3.57% | 0.39% | 7,554 |
| Q2 2025 | $156.6M | $133.7M | $93.5M | $22.1M | $502K | 0.64% | 3.50% | 0.40% | 7,543 |
| Q1 2025 | $155.1M | $132.5M | $92.9M | $21.8M | $256K | 0.66% | 3.44% | 0.32% | 7,571 |
| Q4 2024 | $154.0M | $131.9M | $90.8M | $21.6M | $1.3M | 0.84% | 3.20% | 0.28% | 7,472 |
| Q3 2024 | $152.8M | $130.0M | $90.1M | $21.6M | $1.3M | 1.15% | 3.12% | 0.01% | 7,461 |
| Q2 2024 | $155.1M | $132.7M | $84.0M | $20.9M | $647K | 0.83% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | H.P.C. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 7,308 |
Loan mix (Q1 2026): real estate $33.7M · commercial $23.3M · consumer $33.8M · securities $56.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 78.7% | 37th |
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 | H.P.C. 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 | H.P.C. 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 | H.P.C. 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 | H.P.C. 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% |
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