| Metric | Marshland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +12.0% | +2.9% | +9.0 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 6.0% | 5.9% | +0.0 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $274.4M | $249.8M | $194.4M | $23.3M | $348K | 0.51% | 3.16% | 0.22% | 17,920 |
| Q4 2025 | $271.4M | $247.7M | $193.6M | $22.9M | $1.2M | 0.44% | 3.18% | 0.21% | 17,844 |
| Q3 2025 | $267.3M | $244.0M | $185.5M | $22.7M | $892K | 0.45% | 3.16% | 0.13% | 17,987 |
| Q2 2025 | $260.8M | $238.7M | $183.5M | $22.3M | $548K | 0.42% | 3.22% | 0.23% | 17,862 |
| Q1 2025 | $257.0M | $235.1M | $173.6M | $21.9M | $120K | 0.19% | 3.11% | 0.19% | 18,047 |
| Q4 2024 | $246.7M | $226.1M | $176.9M | $21.8M | $1.2M | 0.48% | 3.21% | 0.13% | 19,246 |
| Q3 2024 | $248.4M | $226.9M | $167.6M | $21.6M | $1.0M | 0.54% | 3.17% | 0.19% | 19,899 |
| Q2 2024 | $237.0M | $216.3M | $156.4M | $21.3M | $658K | 0.56% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Marshland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.09% |
| 19,618 |
Loan mix (Q1 2026): real estate $66.5M · commercial $27.4M · consumer $89.6M · securities $41.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 78.7% | 77th |
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 | Marshland 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 | Marshland 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 | Marshland 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 | Marshland 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.