| Metric | Koin Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -7.0 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.0M | $32.8M | $21.5M | $3.1M | $50K | 0.56% | 3.61% | 0.33% | 2,141 |
| Q4 2025 | $36.2M | $33.1M | $21.7M | $3.1M | $-207K | -0.57% | 3.53% | 0.44% | 2,111 |
| Q3 2025 | $36.9M | $33.8M | $22.4M | $3.1M | $-193K | -0.70% | 3.43% | 0.47% | 2,097 |
| Q2 2025 | $36.2M | $33.0M | $22.9M | $3.2M | $-166K | -0.92% | 3.46% | 2.21% | 2,084 |
| Q1 2025 | $37.5M | $34.2M | $23.7M | $3.3M | $-46K | -0.49% | 3.29% | 0.53% | 2,058 |
| Q4 2024 | $38.0M | $34.6M | $24.0M | $3.3M | $-225K | -0.59% | 3.06% | 0.83% | 1,959 |
| Q3 2024 | $38.7M | $35.4M | $24.0M | $3.4M | $-179K | -0.62% | 2.95% | 2.09% | 1,918 |
| Q2 2024 | $39.5M | $36.1M | $24.4M | $3.5M | $-148K | -0.75% | 2.77% | 0.14% |
| Ratio | Koin Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,904 |
Loan mix (Q1 2026): real estate $15.2M · commercial $0 · consumer $6.2M · securities $12.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 81.5% | 44th |
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 | Koin 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 | Koin 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 | Koin 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 | Koin 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.