| Metric | Hi-Land Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.9% | +1.3% | -17.2 pts |
| Share growth (YoY) | -17.7% | +0.7% | -18.4 pts |
| Loan growth (YoY) | -10.9% | -2.4% | -8.5 pts |
| ROA | -14.30% | 0.60% | -14.9 pts |
| ROE | -52.6% | 4.1% | -56.7 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.9M | $27.5M | $31.5M | $10.3M | $-1.4M | -14.30% | 2.57% | 0.05% | 2,376 |
| Q4 2025 | $40.5M | $28.9M | $32.7M | $11.6M | $-36K | -0.09% | 2.53% | 0.00% | 2,670 |
| Q3 2025 | $40.8M | $29.1M | $33.9M | $11.6M | $-82K | -0.27% | 2.48% | 0.00% | 2,681 |
| Q2 2025 | $42.3M | $30.6M | $34.6M | $11.6M | $-91K | -0.43% | 2.35% | 0.10% | 2,692 |
| Q1 2025 | $45.0M | $33.4M | $35.4M | $11.5M | $-134K | -1.19% | 2.03% | 0.00% | 2,697 |
| Q4 2024 | $50.7M | $39.0M | $36.2M | $11.6M | $-386K | -0.76% | 1.52% | 0.09% | 2,730 |
| Q3 2024 | $53.4M | $41.5M | $38.7M | $11.7M | $-283K | -0.71% | 1.47% | 0.26% | 2,756 |
| Q2 2024 | $54.4M | $42.5M | $39.6M | $11.7M | $-287K | -1.06% | 1.41% |
| Ratio | Hi-Land Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -14.30% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -52.6% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 2,771 |
Loan mix (Q1 2026): real estate $22.1M · commercial $223K · consumer $6.5M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.4% | 81.5% | 91th |
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 | Hi-Land 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 | Hi-Land 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 | Hi-Land 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 | Hi-Land 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.