| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | -2.9% | +2.9% | -5.8 pts |
| ROA | 0.13% | 0.69% | -0.6 pts |
| ROE | 1.2% | 5.9% | -4.8 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $351.3M | $284.5M | $275.6M | $39.9M | $115K | 0.13% | 3.00% | 1.54% | 22,117 |
| Q4 2025 | $341.8M | $275.1M | $282.3M | $39.8M | $913K | 0.27% | 3.09% | 1.21% | 21,971 |
| Q3 2025 | $334.3M | $264.9M | $287.3M | $39.7M | $759K | 0.30% | 3.12% | 0.98% | 21,954 |
| Q2 2025 | $339.3M | $269.7M | $286.8M | $39.5M | $576K | 0.34% | 3.07% | 1.08% | 22,609 |
| Q1 2025 | $348.0M | $271.1M | $283.8M | $39.2M | $244K | 0.28% | 2.90% | 0.98% | 22,544 |
| Q4 2024 | $343.9M | $268.4M | $281.1M | $38.9M | $1.0M | 0.30% | 2.82% | 1.02% | 22,524 |
| Q3 2024 | $337.1M | $261.9M | $286.6M | $38.6M | $702K | 0.28% | 2.82% | 0.92% | 22,504 |
| Q2 2024 | $344.7M | $267.2M | $282.2M | $38.3M | $448K | 0.26% | 2.73% |
| Ratio | Ocean State Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 22,952 |
Loan mix (Q1 2026): real estate $119.1M · commercial $0 · consumer $2.4M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.3% | 78.7% | 95th |
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 | Ocean State 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 | Ocean State 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 | Ocean State 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 | Ocean State 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.