| Metric | Keypoint Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.1% | +0.4 pts |
| Share growth (YoY) | +1.3% | +4.9% | -3.5 pts |
| Loan growth (YoY) | +3.7% | +5.4% | -1.7 pts |
| ROA | 0.35% | 0.71% | -0.4 pts |
| ROE | 4.0% | 6.3% | -2.3 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.70B | $1.40B | $1.30B | $149.0M | $1.5M | 0.35% | 2.98% | 0.39% | 55,225 |
| Q4 2025 | $1.68B | $1.38B | $1.30B | $147.5M | $4.3M | 0.25% | 2.70% | 0.34% | 54,664 |
| Q3 2025 | $1.65B | $1.37B | $1.27B | $151.2M | $3.9M | 0.31% | 2.68% | 0.26% | 54,791 |
| Q2 2025 | $1.60B | $1.34B | $1.26B | $150.4M | $3.0M | 0.38% | 2.70% | 0.28% | 54,244 |
| Q1 2025 | $1.61B | $1.39B | $1.25B | $149.7M | $2.4M | 0.59% | 2.65% | 0.26% | 54,032 |
| Q4 2024 | $1.60B | $1.35B | $1.26B | $147.3M | $4.0M | 0.25% | 2.56% | 0.36% | 53,714 |
| Q3 2024 | $1.66B | $1.33B | $1.27B | $151.9M | $4.4M | 0.35% | 2.47% | 0.41% | 53,678 |
| Q2 2024 | $1.65B | $1.33B | $1.27B | $150.6M | $3.1M | 0.38% | 2.48% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Keypoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.71% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 6.3% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 53,690 |
Loan mix (Q1 2026): real estate $715.8M · commercial $251.1M · consumer $317.9M · securities $209.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 73.0% | 59th |
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 | Keypoint 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 | Keypoint 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 | Keypoint 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 | Keypoint 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.