| Metric | Hometown Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.1 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.9 pts |
| ROA | 1.44% | 0.69% | +0.7 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $219.3M | $179.1M | $170.6M | $33.9M | $787K | 1.44% | 3.34% | 3.05% | 3,372 |
| Q4 2025 | $212.9M | $172.9M | $174.8M | $33.1M | $2.1M | 1.00% | 3.04% | 3.95% | 3,350 |
| Q3 2025 | $211.0M | $172.2M | $171.5M | $32.6M | $1.5M | 0.98% | 3.04% | 3.75% | 3,354 |
| Q2 2025 | $214.2M | $175.5M | $167.4M | $32.2M | $1.2M | 1.10% | 3.13% | 4.72% | 3,362 |
| Q1 2025 | $215.5M | $177.1M | $161.3M | $31.6M | $628K | 1.17% | 3.23% | 2.73% | 3,345 |
| Q4 2024 | $208.4M | $170.5M | $172.3M | $31.0M | $1.7M | 0.82% | 2.87% | 3.82% | 3,337 |
| Q3 2024 | $203.3M | $167.5M | $168.8M | $30.4M | $1.1M | 0.73% | 2.82% | 3.72% | 3,408 |
| Q2 2024 | $199.3M | $164.8M | $163.8M | $30.1M | $782K | 0.78% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Hometown Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.71% |
| 3,378 |
Loan mix (Q1 2026): real estate $20.6M · commercial $138.6M · consumer $5.0M · securities $22.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 78.7% | 9th |
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 | Hometown 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 | Hometown 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 | Hometown 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 | Hometown 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.