| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.8 pts |
| Share growth (YoY) | +9.8% | +3.3% | +6.5 pts |
| Loan growth (YoY) | +3.7% | +2.9% | +0.8 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.3 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $429.7M | $372.6M | $262.2M | $57.6M | $531K | 0.49% | 3.60% | 0.35% | 20,358 |
| Q4 2025 | $420.8M | $364.5M | $263.3M | $57.1M | $4.5M | 1.07% | 3.74% | 0.56% | 20,380 |
| Q3 2025 | $412.3M | $355.9M | $264.3M | $55.8M | $3.0M | 0.98% | 3.78% | 0.48% | 20,445 |
| Q2 2025 | $396.2M | $342.6M | $262.9M | $54.7M | $2.0M | 1.00% | 3.90% | 0.53% | 20,418 |
| Q1 2025 | $391.5M | $339.3M | $252.9M | $53.4M | $694K | 0.71% | 3.80% | 0.53% | 20,656 |
| Q4 2024 | $381.5M | $331.3M | $251.6M | $52.7M | $4.2M | 1.09% | 3.86% | 0.57% | 20,676 |
| Q3 2024 | $379.7M | $328.7M | $249.4M | $51.6M | $2.9M | 1.02% | 3.83% | 0.64% | 20,721 |
| Q2 2024 | $369.1M | $320.3M | $243.6M | $50.5M | $1.7M | 0.94% | 3.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | North Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 20,633 |
Loan mix (Q1 2026): real estate $109.2M · commercial $93.4M · consumer $57.4M · securities $57.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 78.7% | 41th |
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 | North Coast 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 | North Coast 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 | North Coast 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 | North Coast 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.