| Metric | O Bee Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.8% | +1.4 pts |
| Share growth (YoY) | +9.4% | +4.3% | +5.1 pts |
| Loan growth (YoY) | +9.1% | +4.3% | +4.8 pts |
| ROA | 0.74% | 0.62% | +0.1 pts |
| ROE | 8.7% | 5.9% | +2.8 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $667.1M | $571.0M | $598.6M | $56.5M | $1.2M | 0.74% | 4.52% | 0.79% | 36,074 |
| Q4 2025 | $651.8M | $556.9M | $580.7M | $55.3M | $4.1M | 0.63% | 4.39% | 0.76% | 35,622 |
| Q3 2025 | $649.1M | $555.2M | $576.9M | $55.4M | $2.9M | 0.59% | 4.30% | 0.88% | 35,860 |
| Q2 2025 | $637.0M | $530.4M | $571.7M | $53.7M | $1.2M | 0.39% | 4.18% | 0.52% | 35,548 |
| Q1 2025 | $628.6M | $522.0M | $548.7M | $52.8M | $424K | 0.27% | 3.98% | 0.61% | 35,192 |
| Q4 2024 | $623.3M | $517.6M | $526.7M | $52.5M | $2.4M | 0.39% | 3.83% | 0.55% | 34,761 |
| Q3 2024 | $616.8M | $511.7M | $533.2M | $52.9M | $1.6M | 0.34% | 3.75% | 0.82% | 34,696 |
| Q2 2024 | $603.1M | $498.7M | $516.4M | $52.4M | $1.0M | 0.34% | 3.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | O Bee Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.62% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 34,250 |
Loan mix (Q1 2026): real estate $295.5M · commercial $99.7M · consumer $187.9M · securities $9.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 78.3% | 35th |
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 | O Bee 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 | O Bee 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 | O Bee 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 | O Bee 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.