| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +3.9% | -12.8 pts |
| Share growth (YoY) | -9.9% | +3.3% | -13.2 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.8 pts |
| ROA | 0.76% | 0.69% | +0.1 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.0M | $87.6M | $72.5M | $12.4M | $193K | 0.76% | 4.27% | 0.69% | 7,093 |
| Q4 2025 | $100.4M | $86.6M | $75.3M | $12.5M | $157K | 0.16% | 4.55% | 0.80% | 7,980 |
| Q3 2025 | $104.6M | $90.1M | $78.6M | $12.8M | $463K | 0.59% | 4.36% | 0.75% | 8,372 |
| Q2 2025 | $105.2M | $90.8M | $74.1M | $12.6M | $327K | 0.62% | 4.36% | 0.79% | 8,407 |
| Q1 2025 | $112.0M | $97.3M | $75.4M | $12.4M | $56K | 0.20% | 4.04% | 0.96% | 8,419 |
| Q4 2024 | $110.4M | $95.1M | $79.1M | $12.3M | $845K | 0.77% | 4.39% | 0.80% | 8,640 |
| Q3 2024 | $110.5M | $95.3M | $79.8M | $12.1M | $680K | 0.82% | 4.41% | 0.50% | 8,541 |
| Q2 2024 | $108.0M | $93.0M | $82.4M | $11.7M | $271K | 0.50% | 4.53% | 0.39% |
| Ratio | Point West Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,792 |
Loan mix (Q1 2026): real estate $47.1M · commercial $0 · consumer $23.6M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 71th |
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 | Point West 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 | Point West 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 | Point West 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 | Point West 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.