| Metric | Preferred Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +0.9 pts |
| ROA | 1.14% | 0.69% | +0.4 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $317.9M | $271.6M | $156.7M | $44.5M | $908K | 1.14% | 3.75% | 0.43% | 23,429 |
| Q4 2025 | $308.0M | $262.3M | $158.5M | $43.6M | $3.4M | 1.11% | 3.76% | 0.44% | 23,514 |
| Q3 2025 | $304.9M | $260.6M | $161.7M | $42.8M | $2.6M | 1.14% | 3.75% | 0.46% | 23,620 |
| Q2 2025 | $308.7M | $265.9M | $159.3M | $41.9M | $1.7M | 1.11% | 3.65% | 0.45% | 23,733 |
| Q1 2025 | $304.9M | $263.6M | $150.9M | $41.0M | $855K | 1.12% | 3.62% | 0.35% | 23,839 |
| Q4 2024 | $289.6M | $249.7M | $151.5M | $40.2M | $2.8M | 0.97% | 3.57% | 0.39% | 23,870 |
| Q3 2024 | $286.6M | $245.8M | $150.2M | $39.6M | $2.2M | 1.01% | 3.58% | 0.40% | 24,113 |
| Q2 2024 | $284.8M | $247.1M | $150.2M | $38.7M | $1.4M | 0.95% | 3.56% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Preferred Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 24,312 |
Loan mix (Q1 2026): real estate $46.5M · commercial $4.4M · consumer $86.8M · securities $98.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.7% | 42th |
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 | Preferred 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 | Preferred 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 | Preferred 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 | Preferred 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.