| Metric | Har-Co Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +1.9 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 5.5% | 5.9% | -0.5 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $285.5M | $256.6M | $190.9M | $26.4M | $362K | 0.51% | 3.70% | 0.54% | 13,626 |
| Q4 2025 | $271.9M | $243.0M | $190.1M | $26.1M | $2.0M | 0.72% | 3.88% | 0.98% | 13,601 |
| Q3 2025 | $264.8M | $236.5M | $187.3M | $25.6M | $1.5M | 0.74% | 3.96% | 1.09% | 13,773 |
| Q2 2025 | $273.0M | $244.5M | $185.2M | $25.1M | $986K | 0.72% | 3.78% | 0.96% | 13,803 |
| Q1 2025 | $271.9M | $244.5M | $182.1M | $24.6M | $475K | 0.70% | 3.64% | 0.26% | 13,789 |
| Q4 2024 | $260.6M | $233.9M | $182.1M | $24.1M | $1.7M | 0.65% | 3.76% | 0.76% | 13,725 |
| Q3 2024 | $252.6M | $226.2M | $183.7M | $23.6M | $1.2M | 0.65% | 3.85% | 0.21% | 13,769 |
| Q2 2024 | $256.7M | $230.3M | $179.0M | $23.3M | $888K | 0.69% | 3.75% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Har-Co Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 13,745 |
Loan mix (Q1 2026): real estate $124.6M · commercial $23.4M · consumer $41.3M · securities $20.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 78.7% | 53th |
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 | Har-Co 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 | Har-Co 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 | Har-Co 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 | Har-Co 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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