| Metric | Pcm Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.8% | +2.6 pts |
| Share growth (YoY) | +8.7% | +4.3% | +4.4 pts |
| Loan growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| ROA | 1.06% | 0.62% | +0.4 pts |
| ROE | 10.3% | 5.9% | +4.3 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 | $511.3M | $413.1M | $360.6M | $53.0M | $1.4M | 1.06% | 2.15% | 0.56% | 15,556 |
| Q4 2025 | $501.0M | $397.7M | $359.2M | $51.7M | $3.1M | 0.62% | 1.98% | 0.52% | 15,441 |
| Q3 2025 | $498.3M | $396.9M | $357.3M | $50.9M | $2.3M | 0.61% | 1.92% | 0.52% | 15,308 |
| Q2 2025 | $487.1M | $386.0M | $346.9M | $49.9M | $1.3M | 0.52% | 1.88% | 0.49% | 15,199 |
| Q1 2025 | $476.2M | $380.0M | $336.9M | $49.1M | $510K | 0.43% | 1.76% | 0.31% | 15,050 |
| Q4 2024 | $468.1M | $371.3M | $332.1M | $48.6M | $1.6M | 0.34% | 1.66% | 0.32% | 14,993 |
| Q3 2024 | $465.2M | $366.4M | $327.5M | $48.0M | $940K | 0.27% | 1.62% | 0.35% | 14,939 |
| Q2 2024 | $460.2M | $361.9M | $324.9M | $47.5M | $428K | 0.19% | 1.57% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Pcm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.62% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 14,808 |
Loan mix (Q1 2026): real estate $280.4M · commercial $0 · consumer $67.2M · securities $106.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 78.3% | 9th |
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 | Pcm 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 | Pcm 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 | Pcm 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 | Pcm 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.