| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.2 pts |
| ROA | 1.41% | 0.60% | +0.8 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.4M | $11.1M | $5.5M | $2.2M | $47K | 1.41% | 4.74% | 0.00% | 1,293 |
| Q4 2025 | $12.9M | $10.7M | $5.8M | $2.2M | $188K | 1.46% | 5.03% | 0.00% | 1,305 |
| Q3 2025 | $12.5M | $10.3M | $5.9M | $2.1M | $147K | 1.57% | 5.24% | 0.00% | 1,314 |
| Q2 2025 | $12.6M | $10.4M | $5.8M | $2.1M | $89K | 1.42% | 5.13% | 0.00% | 1,314 |
| Q1 2025 | $12.8M | $10.7M | $5.6M | $2.0M | $47K | 1.46% | 4.97% | 0.00% | 1,317 |
| Q4 2024 | $12.2M | $10.2M | $5.8M | $2.0M | $176K | 1.43% | 5.29% | 0.35% | 1,344 |
| Q3 2024 | $12.3M | $10.3M | $6.1M | $2.0M | $140K | 1.51% | 5.25% | 0.19% | 1,361 |
| Q2 2024 | $12.6M | $10.6M | $6.0M | $1.9M | $90K | 1.43% | 5.07% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Quaker Oats Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,384 |
Loan mix (Q1 2026): real estate $958K · commercial $0 · consumer $4.0M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 81.5% | 30th |
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 | Quaker Oats 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 | Quaker Oats 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 | Quaker Oats 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 | Quaker Oats 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.