| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -13.3% | -2.4% | -10.9 pts |
| ROA | 3.06% | 0.60% | +2.5 pts |
| ROE | 19.9% | 4.1% | +15.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.8M | $2.4M | $2.2M | $428K | $21K | 3.06% | 4.45% | 0.00% | 310 |
| Q4 2025 | $2.8M | $2.3M | $2.4M | $405K | $40K | 1.47% | 2.95% | 1.21% | 312 |
| Q3 2025 | $2.7M | $2.3M | $2.4M | $428K | $25K | 1.24% | 2.76% | 2.68% | 310 |
| Q2 2025 | $2.8M | $2.3M | $2.4M | $405K | $1K | 0.10% | 1.95% | 1.39% | 310 |
| Q1 2025 | $2.9M | $2.4M | $2.6M | $424K | $20K | 2.82% | 4.15% | 0.03% | 310 |
| Q4 2024 | $2.8M | $2.3M | $2.4M | $455K | $3K | 0.10% | 1.44% | 0.07% | 306 |
| Q3 2024 | $2.8M | $2.4M | $2.5M | $427K | $25K | 1.21% | 2.67% | 0.10% | 311 |
| Q2 2024 | $2.9M | $2.5M | $2.5M | $440K | $1K | 0.09% | 1.77% | 0.17% | 309 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $242K
| Ratio | Opc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.06% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.6% | 81.5% | 1th |
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 | Opc Federal 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 | Opc Federal 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 | Opc Federal 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 | Opc Federal 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.