| Metric | Power Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.2% | +3.9% | +25.3 pts |
| Share growth (YoY) | +30.3% | +3.3% | +26.9 pts |
| Loan growth (YoY) | +18.4% | +2.9% | +15.5 pts |
| ROA | 0.06% | 0.69% | -0.6 pts |
| ROE | 0.5% | 5.9% | -5.5 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.0M | $137.2M | $71.7M | $17.5M | $22K | 0.06% | 3.69% | 1.69% | 14,567 |
| Q4 2025 | $125.5M | $108.5M | $58.6M | $15.5M | $1.7M | 1.38% | 3.92% | 2.86% | 11,695 |
| Q3 2025 | $123.0M | $107.1M | $60.4M | $15.5M | $1.5M | 1.65% | 3.93% | 2.47% | 11,773 |
| Q2 2025 | $121.0M | $105.8M | $60.5M | $15.1M | $1.1M | 1.84% | 4.00% | 2.04% | 12,303 |
| Q1 2025 | $120.7M | $105.3M | $60.5M | $14.8M | $801K | 2.65% | 3.87% | 1.70% | 12,259 |
| Q4 2024 | $116.6M | $102.6M | $61.3M | $14.0M | $855K | 0.73% | 3.85% | 1.33% | 12,237 |
| Q3 2024 | $115.1M | $100.8M | $60.0M | $13.8M | $464K | 0.54% | 3.72% | 0.97% | 12,438 |
| Q2 2024 | $116.0M | $101.8M | $60.6M | $13.7M | $394K | 0.68% | 3.72% |
| Ratio | Power Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.31% |
| 12,514 |
Loan mix (Q1 2026): real estate $31.6M · commercial $907K · consumer $34.2M · securities $63.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 78.7% | 68th |
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 | Power 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 | Power 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 | Power 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 | Power 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.