| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -6.4% | +0.7% | -7.0 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.8 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.6M | $8.2M | $5.3M | $1.5M | $11K | 0.47% | 3.61% | 0.00% | 750 |
| Q4 2025 | $9.6M | $8.1M | $5.3M | $1.4M | $27K | 0.28% | 3.28% | 0.00% | 738 |
| Q3 2025 | $9.5M | $8.0M | $5.3M | $1.5M | $41K | 0.58% | 3.63% | 0.00% | 737 |
| Q2 2025 | $9.9M | $8.4M | $5.2M | $1.4M | $26K | 0.53% | 3.48% | 0.00% | 747 |
| Q1 2025 | $10.2M | $8.7M | $5.4M | $1.4M | $16K | 0.64% | 3.24% | 0.00% | 754 |
| Q4 2024 | $10.2M | $8.8M | $5.6M | $1.4M | $27K | 0.27% | 2.94% | 0.00% | 751 |
| Q3 2024 | $10.3M | $8.9M | $5.9M | $1.4M | $46K | 0.59% | 3.21% | 0.00% | 752 |
| Q2 2024 | $9.7M | $8.2M | $5.7M | $1.4M | $25K | 0.51% | 3.31% | 0.00% | 747 |
| Ratio | Pud Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $452K · commercial $0 · consumer $4.0M · securities $3.1M
41th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 81.5% | 63th |
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 | Pud Federal 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 | Pud Federal 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 | Pud Federal 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 | Pud Federal 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% |
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