| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.0 pts |
| ROA | -1.15% | 0.60% | -1.8 pts |
| ROE | -3.8% | 4.1% | -7.9 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.0M | $7.5M | $7.3M | $3.3M | $-32K | -1.15% | 4.81% | 0.10% | 967 |
| Q4 2025 | $11.0M | $7.6M | $7.1M | $3.3M | $22K | 0.20% | 5.12% | 0.81% | 962 |
| Q3 2025 | $10.7M | $7.2M | $7.2M | $3.4M | $10K | 0.12% | 5.46% | 1.22% | 951 |
| Q2 2025 | $10.9M | $7.5M | $7.5M | $3.4M | $-5K | -0.09% | 5.47% | 2.23% | 902 |
| Q1 2025 | $11.2M | $7.7M | $7.5M | $3.4M | $-23K | -0.83% | 5.35% | 2.08% | 945 |
| Q4 2024 | $11.4M | $7.9M | $7.5M | $3.4M | $25K | 0.22% | 4.65% | 1.31% | 938 |
| Q3 2024 | $11.4M | $7.8M | $7.1M | $3.4M | $34K | 0.40% | 4.55% | 0.69% | 914 |
| Q2 2024 | $11.2M | $7.7M | $7.5M | $3.4M | $13K | 0.24% | 4.74% | 1.02% | 917 |
| Ratio | Pba Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.15% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -3.8% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.9M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 81.5% | 30th |
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 | Pba 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 | Pba 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 | Pba 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 | Pba 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% |
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