| Metric | Pillar Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.1 pts |
| ROA | 0.90% | 0.69% | +0.2 pts |
| ROE | 8.4% | 5.9% | +2.5 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $128.0M | $115.9M | $75.9M | $13.6M | $287K | 0.90% | 3.56% | 0.89% | 10,068 |
| Q4 2025 | $124.4M | $112.4M | $74.9M | $13.3M | $1.2M | 0.98% | 3.38% | 0.95% | 10,032 |
| Q3 2025 | $120.8M | $109.2M | $74.6M | $13.1M | $949K | 1.05% | 3.37% | 1.04% | 10,049 |
| Q2 2025 | $119.9M | $109.0M | $74.8M | $12.7M | $617K | 1.03% | 3.25% | 0.73% | 9,962 |
| Q1 2025 | $118.6M | $108.0M | $73.7M | $12.3M | $197K | 0.67% | 3.12% | 0.69% | 9,848 |
| Q4 2024 | $113.0M | $102.8M | $73.1M | $12.1M | $736K | 0.65% | 3.00% | 0.71% | 9,852 |
| Q3 2024 | $110.6M | $100.0M | $73.0M | $11.9M | $534K | 0.64% | 2.96% | 0.58% | 9,845 |
| Q2 2024 | $109.8M | $99.8M | $73.5M | $11.7M | $326K | 0.59% | 2.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Pillar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 9,891 |
Loan mix (Q1 2026): real estate $6.2M · commercial $6.7M · consumer $61.5M · securities $18.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 78.7% | 33th |
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 | Pillar 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 | Pillar 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 | Pillar 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 | Pillar 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.