| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.8% | -1.9 pts |
| Share growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| Loan growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| ROA | 0.49% | 0.62% | -0.1 pts |
| ROE | 3.4% | 5.9% | -2.6 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $839.9M | $590.6M | $642.8M | $123.5M | $1.0M | 0.49% | 2.64% | 0.09% | 21,692 |
| Q4 2025 | $819.6M | $565.7M | $636.5M | $122.4M | $4.5M | 0.55% | 2.51% | 0.27% | 21,668 |
| Q3 2025 | $815.7M | $558.7M | $639.1M | $121.1M | $3.2M | 0.52% | 2.47% | 0.41% | 22,082 |
| Q2 2025 | $812.0M | $556.3M | $636.9M | $119.9M | $1.9M | 0.48% | 2.41% | 0.39% | 22,223 |
| Q1 2025 | $816.4M | $560.9M | $628.4M | $118.5M | $574K | 0.28% | 2.35% | 0.24% | 22,172 |
| Q4 2024 | $808.1M | $540.2M | $638.9M | $117.9M | $2.5M | 0.31% | 2.30% | 0.36% | 22,156 |
| Q3 2024 | $810.5M | $546.5M | $634.6M | $117.4M | $1.9M | 0.31% | 2.28% | 0.45% | 23,176 |
| Q2 2024 | $800.6M | $545.2M | $631.2M | $116.3M | $879K | 0.22% | 2.28% |
| Ratio | Liberty Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.62% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 23,272 |
Loan mix (Q1 2026): real estate $454.0M · commercial $111.9M · consumer $62.1M · securities $135.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.3% | 58th |
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 | Liberty Bay 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 | Liberty Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Liberty Bay 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 | Liberty Bay 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 | Liberty Bay 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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Norfolk, MA, ranked 24th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk, MA | 2 | $278.1M* | 0.64% | 24th |
| Plymouth, MA | 2 | $278.1M* | 1.43% | 14th |
Massachusetts: 90th with 0.09% · Boston-Cambridge-Newton metro: 62nd, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 4 · 2024 4 · 2025 4