| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +40.7% | +5.1% | +35.6 pts |
| Share growth (YoY) | +39.2% | +4.9% | +34.3 pts |
| Loan growth (YoY) | +47.1% | +5.4% | +41.7 pts |
| ROA | 0.06% | 0.71% | -0.7 pts |
| ROE | 0.6% | 6.3% | -5.7 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.05B | $2.61B | $2.33B | $292.4M | $458K | 0.06% | 3.66% | 0.80% | 120,361 |
| Q4 2025 | $3.07B | $2.61B | $2.34B | $292.0M | $21.1M | 0.69% | 2.71% | 1.04% | 119,906 |
| Q3 2025 | $2.91B | $2.41B | $2.20B | $271.0M | $15.8M | 0.73% | 2.56% | 0.88% | 106,577 |
| Q2 2025 | $2.21B | $1.88B | $1.64B | $254.6M | $19.5M | 1.76% | 3.14% | 0.84% | 94,777 |
| Q1 2025 | $2.17B | $1.88B | $1.59B | $252.5M | $17.4M | 3.21% | 3.11% | 0.70% | 93,673 |
| Q4 2024 | $2.11B | $1.86B | $1.57B | $235.1M | $12.2M | 0.58% | 2.92% | 0.50% | 92,561 |
| Q3 2024 | $2.11B | $1.83B | $1.57B | $225.8M | $334K | 0.02% | 2.85% | 0.37% | 91,754 |
| Q2 2024 | $2.10B | $1.83B | $1.54B | $225.5M | $10K | 0.00% | 2.74% |
| Ratio | Harborstone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.71% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 6.3% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 90,952 |
Loan mix (Q1 2026): real estate $678.0M · commercial $663.6M · consumer $784.8M · securities $300.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 73.0% | 84th |
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 | Harborstone 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 | Harborstone 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 | Harborstone 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 | Harborstone 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.