| Metric | Pecu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.5 pts |
| Share growth (YoY) | -1.5% | +3.3% | -4.8 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | 0.95% | 0.69% | +0.3 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $439.1M | $375.5M | $220.0M | $62.8M | $1.0M | 0.95% | 3.39% | 0.52% | 21,602 |
| Q4 2025 | $437.3M | $376.2M | $225.1M | $61.8M | $5.0M | 1.14% | 3.48% | 0.44% | 21,509 |
| Q3 2025 | $435.4M | $375.4M | $230.7M | $60.9M | $4.0M | 1.23% | 3.47% | 0.29% | 21,514 |
| Q2 2025 | $431.1M | $373.5M | $232.2M | $59.5M | $2.6M | 1.21% | 3.41% | 0.47% | 21,522 |
| Q1 2025 | $437.1M | $381.3M | $227.0M | $58.1M | $1.3M | 1.16% | 3.23% | 0.38% | 22,505 |
| Q4 2024 | $429.8M | $376.8M | $223.4M | $56.9M | $5.6M | 1.30% | 3.05% | 0.47% | 22,369 |
| Q3 2024 | $423.0M | $370.6M | $226.4M | $55.4M | $4.1M | 1.31% | 3.04% | 0.29% | 22,333 |
| Q2 2024 | $419.7M | $371.7M | $230.2M | $54.0M | $2.7M | 1.27% | 2.99% |
| Ratio | Pecu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 22,313 |
Loan mix (Q1 2026): real estate $122.1M · commercial $0 · consumer $96.5M · securities $133.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 78.7% | 10th |
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 | Pecu 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 | Pecu 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 | Pecu 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 | Pecu 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.