| Metric | Oakdale Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.9% | +6.8 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | 2.93% | 0.69% | +2.2 pts |
| ROE | 22.8% | 5.9% | +16.9 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $133.5M | $115.1M | $68.6M | $17.1M | $978K | 2.93% | 3.62% | 0.00% | 11,383 |
| Q4 2025 | $127.8M | $109.7M | $67.5M | $16.2M | $2.5M | 2.00% | 3.88% | 0.09% | 11,345 |
| Q3 2025 | $124.7M | $107.5M | $68.4M | $15.5M | $1.9M | 2.07% | 3.97% | 0.10% | 11,402 |
| Q2 2025 | $122.2M | $105.9M | $69.7M | $14.9M | $1.3M | 2.11% | 4.00% | 0.11% | 11,370 |
| Q1 2025 | $120.5M | $104.9M | $70.3M | $14.2M | $628K | 2.08% | 3.97% | 0.16% | 11,350 |
| Q4 2024 | $117.8M | $103.0M | $70.0M | $13.6M | $2.6M | 2.24% | 4.05% | 0.12% | 11,289 |
| Q3 2024 | $114.2M | $100.2M | $72.5M | $12.9M | $2.0M | 2.28% | 4.15% | 0.00% | 11,326 |
| Q2 2024 | $115.5M | $101.4M | $72.7M | $12.2M | $1.3M | 2.19% | 4.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Oakdale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.93% | 0.69% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 11,278 |
Loan mix (Q1 2026): real estate $23.5M · commercial $0 · consumer $36.4M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.5% | 78.7% | 2th |
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 | Oakdale 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 | Oakdale 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 | Oakdale 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 | Oakdale 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.