| Metric | Pfcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.8% | -1.6 pts |
| Share growth (YoY) | +2.0% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +8.3% | +4.3% | +3.9 pts |
| ROA | 0.91% | 0.62% | +0.3 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $858.9M | $759.2M | $553.7M | $95.5M | $1.9M | 0.91% | 4.07% | 0.33% | 57,192 |
| Q4 2025 | $834.9M | $737.6M | $553.0M | $93.5M | $7.5M | 0.90% | 4.00% | 0.59% | 57,035 |
| Q3 2025 | $819.9M | $727.1M | $541.9M | $91.6M | $4.9M | 0.79% | 3.98% | 0.53% | 56,814 |
| Q2 2025 | $822.1M | $732.9M | $526.8M | $89.0M | $2.2M | 0.54% | 3.86% | 0.46% | 56,388 |
| Q1 2025 | $832.5M | $744.4M | $511.5M | $88.0M | $1.3M | 0.61% | 3.69% | 0.51% | 56,128 |
| Q4 2024 | $817.1M | $731.7M | $502.6M | $86.8M | $5.3M | 0.65% | 3.48% | 0.60% | 55,780 |
| Q3 2024 | $800.8M | $717.0M | $502.9M | $85.6M | $3.4M | 0.56% | 3.50% | 0.50% | 55,863 |
| Q2 2024 | $808.7M | $729.8M | $505.9M | $83.8M | $1.6M | 0.39% | 3.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Pfcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.62% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 55,877 |
Loan mix (Q1 2026): real estate $210.7M · commercial $12.1M · consumer $300.9M · securities $121.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 78.3% | 43th |
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 | Pfcu 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 | Pfcu 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 | Pfcu 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 | Pfcu 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.