| Metric | Park City Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +10.2% | +2.9% | +7.3 pts |
| ROA | 0.76% | 0.69% | +0.1 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $390.0M | $333.2M | $293.6M | $38.5M | $744K | 0.76% | 3.29% | 0.46% | 25,973 |
| Q4 2025 | $381.3M | $326.5M | $287.2M | $37.8M | $3.2M | 0.84% | 3.23% | 0.42% | 25,641 |
| Q3 2025 | $376.8M | $322.6M | $283.9M | $36.9M | $2.2M | 0.79% | 3.23% | 0.56% | 25,430 |
| Q2 2025 | $371.6M | $319.4M | $278.2M | $35.8M | $1.3M | 0.70% | 3.20% | 0.44% | 25,091 |
| Q1 2025 | $368.5M | $316.6M | $266.4M | $35.1M | $569K | 0.62% | 3.14% | 0.42% | 24,586 |
| Q4 2024 | $357.9M | $306.5M | $259.2M | $34.5M | $3.0M | 0.85% | 3.18% | 0.61% | 24,236 |
| Q3 2024 | $357.0M | $304.7M | $249.4M | $33.7M | $2.1M | 0.78% | 3.12% | 0.44% | 23,770 |
| Q2 2024 | $351.7M | $299.7M | $250.6M | $33.1M | $1.5M | 0.85% | 3.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Park City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 23,614 |
Loan mix (Q1 2026): real estate $108.0M · commercial $28.7M · consumer $114.8M · securities $52.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 78.7% | 37th |
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 | Park City 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 | Park City 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 | Park City 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 | Park City 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.