| Metric | Quincy Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.8% | -2.6 pts |
| Share growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| ROA | 0.59% | 0.62% | -0.0 pts |
| ROE | 4.2% | 5.9% | -1.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $733.0M | $649.3M | $461.0M | $104.4M | $1.1M | 0.59% | 2.76% | 0.46% | 39,322 |
| Q4 2025 | $730.6M | $651.1M | $453.4M | $103.3M | $4.5M | 0.62% | 2.62% | 0.67% | 38,853 |
| Q3 2025 | $714.0M | $632.3M | $443.3M | $102.7M | $3.4M | 0.63% | 2.65% | 1.01% | 38,461 |
| Q2 2025 | $708.7M | $631.8M | $437.9M | $101.4M | $2.1M | 0.59% | 2.60% | 0.47% | 38,154 |
| Q1 2025 | $717.4M | $641.4M | $442.7M | $100.3M | $981K | 0.55% | 2.49% | 0.26% | 37,979 |
| Q4 2024 | $693.3M | $622.1M | $445.6M | $99.3M | $3.5M | 0.51% | 2.50% | 0.42% | 37,797 |
| Q3 2024 | $702.1M | $624.0M | $448.4M | $98.7M | $2.3M | 0.44% | 2.47% | 0.38% | 37,744 |
| Q2 2024 | $700.9M | $627.9M | $448.8M | $97.7M | $1.3M | 0.38% | 2.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Quincy Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.62% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 37,594 |
Loan mix (Q1 2026): real estate $280.6M · commercial $37.7M · consumer $125.7M · securities $173.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 78.3% | 62th |
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 | Quincy 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 | Quincy 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 | Quincy 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 | Quincy 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.