| Metric | Holyoke Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.9% | -2.6 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | +13.3% | +2.9% | +10.4 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 4.7% | 5.9% | -1.2 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $299.4M | $243.1M | $197.8M | $26.8M | $315K | 0.42% | 3.18% | 0.36% | 21,601 |
| Q4 2025 | $297.2M | $238.4M | $190.8M | $26.5M | $1.2M | 0.39% | 2.85% | 0.39% | 21,292 |
| Q3 2025 | $291.3M | $234.1M | $187.9M | $26.3M | $974K | 0.45% | 2.83% | 0.51% | 21,077 |
| Q2 2025 | $288.6M | $228.7M | $181.0M | $25.9M | $592K | 0.41% | 2.77% | 0.46% | 20,747 |
| Q1 2025 | $295.5M | $233.0M | $174.6M | $25.6M | $274K | 0.37% | 2.61% | 0.36% | 20,410 |
| Q4 2024 | $290.4M | $224.4M | $173.7M | $25.3M | $512K | 0.18% | 2.20% | 0.86% | 20,111 |
| Q3 2024 | $287.4M | $218.5M | $165.0M | $25.1M | $324K | 0.15% | 2.12% | 0.61% | 22,985 |
| Q2 2024 | $285.1M | $222.4M | $159.0M | $25.0M | $174K | 0.12% | 2.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Holyoke Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 22,788 |
Loan mix (Q1 2026): real estate $109.7M · commercial $31.2M · consumer $55.0M · securities $76.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 78.7% | 66th |
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 | Holyoke 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 | Holyoke 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 | Holyoke 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 | Holyoke 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.