| Metric | People's Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.4 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.6 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.8M | $19.9M | $10.1M | $4.8M | $11K | 0.18% | 4.05% | 1.71% | 3,731 |
| Q4 2025 | $23.8M | $18.9M | $10.2M | $4.8M | $3K | 0.01% | 3.24% | 1.29% | 3,728 |
| Q3 2025 | $24.0M | $19.0M | $10.3M | $5.0M | $182K | 1.01% | 4.01% | 0.89% | 3,739 |
| Q2 2025 | $24.4M | $19.4M | $10.6M | $4.9M | $132K | 1.08% | 3.87% | 1.65% | 3,774 |
| Q1 2025 | $24.1M | $19.2M | $10.6M | $4.9M | $81K | 1.35% | 3.78% | 1.41% | 3,776 |
| Q4 2024 | $23.6M | $18.7M | $10.5M | $4.8M | $8K | 0.04% | 2.81% | 2.28% | 3,757 |
| Q3 2024 | $23.7M | $18.7M | $10.9M | $5.0M | $172K | 0.97% | 3.34% | 0.77% | 3,759 |
| Q2 2024 | $24.7M | $19.8M | $10.5M | $4.9M | $109K | 0.89% | 3.07% | 0.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | People's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,761 |
Loan mix (Q1 2026): real estate $367K · commercial $0 · consumer $8.4M · securities $11.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 81.5% | 24th |
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 | People's 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 | People's 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 | People's 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 | People's 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.