| Metric | Plus Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +3.9% | -5.2 pts |
| Share growth (YoY) | -2.4% | +3.3% | -5.7 pts |
| Loan growth (YoY) | +5.5% | +2.9% | +2.6 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.0M | $110.8M | $52.2M | $15.7M | $147K | 0.47% | 3.08% | 0.18% | 8,717 |
| Q4 2025 | $128.9M | $113.7M | $51.2M | $15.5M | $490K | 0.38% | 3.13% | 0.15% | 8,696 |
| Q3 2025 | $124.8M | $109.8M | $50.7M | $15.4M | $339K | 0.36% | 3.20% | 0.09% | 8,595 |
| Q2 2025 | $129.9M | $115.3M | $50.6M | $15.3M | $226K | 0.35% | 3.03% | 0.09% | 8,581 |
| Q1 2025 | $127.7M | $113.5M | $49.5M | $15.2M | $101K | 0.32% | 2.98% | 0.13% | 8,585 |
| Q4 2024 | $123.8M | $110.1M | $49.6M | $15.1M | $913K | 0.74% | 3.30% | 0.07% | 8,684 |
| Q3 2024 | $115.1M | $100.8M | $48.8M | $14.9M | $706K | 0.82% | 3.59% | 0.13% | 8,860 |
| Q2 2024 | $117.8M | $104.8M | $48.4M | $14.6M | $474K | 0.80% | 3.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Plus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 8,910 |
Loan mix (Q1 2026): real estate $32.3M · commercial $0 · consumer $19.1M · securities $52.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 78.7% | 80th |
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 | Plus 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 | Plus 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 | Plus 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 | Plus 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.