| Metric | Loc Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.4 pts |
| ROA | 1.05% | 0.69% | +0.4 pts |
| ROE | 10.5% | 5.9% | +4.6 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 | $483.4M | $433.1M | $250.0M | $48.1M | $1.3M | 1.05% | 3.56% | 0.17% | 27,695 |
| Q4 2025 | $467.0M | $417.2M | $253.3M | $46.9M | $4.2M | 0.91% | 3.55% | 0.48% | 27,710 |
| Q3 2025 | $462.5M | $413.5M | $253.8M | $45.7M | $3.1M | 0.88% | 3.55% | 0.49% | 27,694 |
| Q2 2025 | $460.9M | $414.2M | $256.8M | $44.9M | $2.0M | 0.89% | 3.51% | 0.56% | 27,555 |
| Q1 2025 | $457.8M | $412.4M | $253.7M | $43.8M | $962K | 0.84% | 3.46% | 0.29% | 27,721 |
| Q4 2024 | $445.9M | $403.5M | $254.8M | $42.8M | $3.8M | 0.85% | 3.33% | 0.35% | 27,782 |
| Q3 2024 | $444.4M | $401.3M | $252.7M | $41.6M | $2.6M | 0.78% | 3.31% | 0.29% | 27,830 |
| Q2 2024 | $446.8M | $407.8M | $248.5M | $40.9M | $1.7M | 0.75% | 3.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Loc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 27,846 |
Loan mix (Q1 2026): real estate $160.1M · commercial $3.4M · consumer $76.2M · securities $165.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 78.7% | 42th |
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 | Loc 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 | Loc 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 | Loc 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 | Loc 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.