| Metric | Olympia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +10.1% | +0.7% | +9.4 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.1 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.2M | $52.6M | $41.8M | $4.5M | $38K | 0.27% | 4.12% | 0.46% | 3,708 |
| Q4 2025 | $55.2M | $50.6M | $37.1M | $4.5M | $102K | 0.18% | 4.31% | 0.58% | 3,712 |
| Q3 2025 | $54.1M | $49.5M | $38.6M | $4.4M | $-12K | -0.03% | 4.41% | 0.74% | 3,756 |
| Q2 2025 | $53.8M | $49.4M | $39.7M | $4.3M | $-74K | -0.27% | 4.35% | 0.80% | 3,762 |
| Q1 2025 | $52.1M | $47.8M | $41.5M | $4.2M | $-140K | -1.08% | 4.38% | 0.78% | 3,795 |
| Q4 2024 | $52.4M | $47.8M | $40.6M | $4.4M | $2K | 0.00% | 4.39% | 1.59% | 3,791 |
| Q3 2024 | $52.1M | $47.4M | $41.1M | $4.4M | $24K | 0.06% | 4.39% | 0.92% | 3,821 |
| Q2 2024 | $51.2M | $46.6M | $41.9M | $4.4M | $44K | 0.17% | 4.35% | 0.72% |
| Ratio | Olympia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,803 |
Loan mix (Q1 2026): real estate $6.1M · commercial $0 · consumer $31.5M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 81.5% | 58th |
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 | Olympia 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 | Olympia 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 | Olympia 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 | Olympia 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.