| Metric | Landings Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | -4.9% | +2.9% | -7.9 pts |
| ROA | 1.04% | 0.69% | +0.3 pts |
| ROE | 9.9% | 5.9% | +3.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $264.2M | $236.1M | $145.9M | $27.7M | $685K | 1.04% | 3.83% | 1.34% | 15,054 |
| Q4 2025 | $254.7M | $225.9M | $148.5M | $27.1M | $2.4M | 0.96% | 3.96% | 0.65% | 15,073 |
| Q3 2025 | $251.4M | $223.4M | $150.3M | $26.5M | $1.9M | 0.98% | 4.00% | 0.84% | 15,147 |
| Q2 2025 | $250.1M | $222.4M | $150.1M | $26.1M | $1.3M | 1.01% | 3.96% | 0.66% | 15,145 |
| Q1 2025 | $249.1M | $223.3M | $153.5M | $25.4M | $525K | 0.84% | 3.88% | 0.60% | 15,241 |
| Q4 2024 | $242.7M | $217.1M | $157.7M | $24.8M | $2.5M | 1.04% | 3.98% | 0.68% | 15,339 |
| Q3 2024 | $241.1M | $215.6M | $158.6M | $24.0M | $1.7M | 0.95% | 3.97% | 0.73% | 15,359 |
| Q2 2024 | $240.7M | $216.7M | $159.4M | $23.7M | $1.2M | 0.99% | 3.94% |
| Ratio | Landings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 15,351 |
Loan mix (Q1 2026): real estate $35.1M · commercial $5.3M · consumer $102.5M · securities $65.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 78.7% | 40th |
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 | Landings 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 | Landings 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 | Landings 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 | Landings 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.