| Metric | Pelican Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.8% | +2.8 pts |
| Share growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +8.6% | +4.3% | +4.2 pts |
| ROA | -0.45% | 0.62% | -1.1 pts |
| ROE | -5.1% | 5.9% | -11.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $827.2M | $710.6M | $710.0M | $72.9M | $-928K | -0.45% | 5.78% | 1.69% | 88,080 |
| Q4 2025 | $800.8M | $711.0M | $698.0M | $75.0M | $315K | 0.04% | 5.52% | 2.13% | 86,171 |
| Q3 2025 | $819.7M | $731.5M | $688.2M | $76.9M | $2.2M | 0.35% | 5.29% | 2.05% | 85,358 |
| Q2 2025 | $811.6M | $702.3M | $679.0M | $72.9M | $1.1M | 0.27% | 5.20% | 1.83% | 82,113 |
| Q1 2025 | $769.1M | $672.8M | $654.0M | $75.0M | $638K | 0.33% | 5.34% | 1.95% | 80,199 |
| Q4 2024 | $725.1M | $631.5M | $627.7M | $75.5M | $2.8M | 0.38% | 5.32% | 2.25% | 78,811 |
| Q3 2024 | $734.7M | $650.3M | $609.0M | $74.6M | $1.8M | 0.33% | 5.17% | 2.19% | 78,014 |
| Q2 2024 | $749.3M | $660.2M | $595.5M | $74.4M | $1.6M | 0.43% | 4.98% |
| Ratio | Pelican Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.45% | 0.62% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -5.1% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.78% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.01% |
| 77,432 |
Loan mix (Q1 2026): real estate $136.1M · commercial $14.0M · consumer $497.1M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 78.3% | 29th |
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 | Pelican 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 | Pelican 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 | Pelican 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 | Pelican 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.