| Metric | Neighbors Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.8% | +0.3 pts |
| Share growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| ROA | 0.69% | 0.62% | +0.1 pts |
| ROE | 5.8% | 5.9% | -0.1 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $571.9M | $503.4M | $427.3M | $68.0M | $987K | 0.69% | 3.86% | 1.18% | 47,638 |
| Q4 2025 | $560.9M | $494.1M | $437.8M | $67.0M | $1.4M | 0.25% | 3.77% | 1.22% | 47,972 |
| Q3 2025 | $566.4M | $498.4M | $431.2M | $67.0M | $926K | 0.22% | 3.65% | 1.34% | 48,433 |
| Q2 2025 | $553.6M | $487.4M | $422.7M | $67.0M | $908K | 0.33% | 3.66% | 1.40% | 48,103 |
| Q1 2025 | $544.2M | $479.2M | $412.4M | $66.7M | $625K | 0.46% | 3.64% | 1.76% | 47,326 |
| Q4 2024 | $532.8M | $468.6M | $399.5M | $66.0M | $224K | 0.04% | 3.39% | 2.02% | 49,168 |
| Q3 2024 | $521.3M | $455.5M | $375.5M | $66.0M | $-291K | -0.07% | 3.42% | 2.02% | 49,252 |
| Q2 2024 | $518.0M | $451.0M | $378.2M | $66.7M | $373K | 0.14% | 3.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Neighbors Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.62% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.93% |
| 49,077 |
Loan mix (Q1 2026): real estate $223.4M · commercial $61.9M · consumer $136.7M · securities $42.9M
77th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 78.3% | 38th |
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 | Neighbors 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 | Neighbors 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 | Neighbors 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 | Neighbors 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.