| Metric | Keystone Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -7.8% | -2.4% | -5.4 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.0M | $28.9M | $26.7M | $11.1M | $95K | 0.95% | 2.99% | 2.34% | 2,931 |
| Q4 2025 | $40.6M | $29.6M | $27.6M | $11.0M | $211K | 0.52% | 2.75% | 2.55% | 2,961 |
| Q3 2025 | $40.5M | $29.6M | $28.8M | $11.1M | $141K | 0.46% | 2.65% | 2.11% | 2,970 |
| Q2 2025 | $40.3M | $29.5M | $29.0M | $11.1M | $99K | 0.49% | 2.62% | 0.40% | 2,990 |
| Q1 2025 | $40.1M | $29.2M | $28.9M | $11.0M | $43K | 0.43% | 2.62% | 0.34% | 3,073 |
| Q4 2024 | $39.7M | $29.0M | $29.0M | $11.0M | $108K | 0.27% | 2.54% | 0.58% | 3,102 |
| Q3 2024 | $39.8M | $29.1M | $30.2M | $11.1M | $95K | 0.32% | 2.50% | 0.70% | 3,124 |
| Q2 2024 | $39.1M | $28.4M | $30.2M | $11.1M | $54K | 0.28% | 2.46% | 0.72% |
| Ratio | Keystone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,126 |
Loan mix (Q1 2026): real estate $20.1M · commercial $0 · consumer $4.3M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 81.5% | 24th |
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 | Keystone 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 | Keystone 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 | Keystone 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 | Keystone 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.