| Metric | Palco FCU | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +22.1% | +2.9% | +19.2 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 8.8% | 5.9% | +2.9 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $109.5M | $97.3M | $47.4M | $13.9M | $307K | 1.12% | 3.54% | 0.08% | 6,218 |
| Q4 2025 | $105.9M | $93.0M | $46.4M | $13.6M | $1.5M | 1.45% | 3.44% | 0.36% | 6,193 |
| Q3 2025 | $103.5M | $91.9M | $46.0M | $13.3M | $1.2M | 1.51% | 3.43% | 0.16% | 6,185 |
| Q2 2025 | $103.7M | $92.7M | $42.8M | $12.8M | $709K | 1.37% | 3.32% | 0.28% | 6,097 |
| Q1 2025 | $103.3M | $92.9M | $38.8M | $12.4M | $334K | 1.29% | 3.17% | 0.12% | 6,002 |
| Q4 2024 | $100.4M | $89.8M | $36.8M | $12.1M | $1.1M | 1.06% | 3.01% | 0.07% | 5,939 |
| Q3 2024 | $98.9M | $89.4M | $36.3M | $11.5M | $509K | 0.69% | 3.00% | 0.12% | 5,960 |
| Q2 2024 | $100.3M | $89.9M | $34.7M | $11.4M | $403K | 0.80% | 2.73% | 0.28% |
| Ratio | Palco FCU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,922 |
Loan mix (Q1 2026): real estate $14.9M · commercial $0 · consumer $32.2M · securities $42.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 78.7% | 25th |
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 | Palco FCU | 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 | Palco FCU | 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 | Palco FCU | 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 | Palco FCU | 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.