| Metric | Planites Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.4 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.4M | $34.7M | $17.4M | $4.4M | $46K | 0.47% | 3.13% | 0.85% | 3,910 |
| Q4 2025 | $38.0M | $33.4M | $17.8M | $4.4M | $190K | 0.50% | 3.20% | 0.55% | 3,933 |
| Q3 2025 | $39.0M | $34.4M | $18.0M | $4.4M | $161K | 0.55% | 3.11% | 0.57% | 4,019 |
| Q2 2025 | $40.3M | $35.9M | $17.8M | $4.3M | $80K | 0.40% | 2.93% | 1.38% | 4,031 |
| Q1 2025 | $39.2M | $34.8M | $18.1M | $4.2M | $35K | 0.36% | 2.92% | 0.25% | 4,049 |
| Q4 2024 | $37.3M | $32.9M | $18.9M | $4.2M | $92K | 0.25% | 2.82% | 0.32% | 4,057 |
| Q3 2024 | $37.5M | $33.1M | $18.4M | $4.2M | $66K | 0.24% | 2.74% | 1.24% | 4,071 |
| Q2 2024 | $38.3M | $33.9M | $18.6M | $4.1M | $15K | 0.08% | 2.56% | 1.13% |
| Ratio | Planites Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,086 |
Loan mix (Q1 2026): real estate $9.0M · commercial $0 · consumer $5.5M · securities $18.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 81.5% | 50th |
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 | Planites 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 | Planites 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 | Planites 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 | Planites 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.