| Metric | Shoreline Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +3.9% | +6.1 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | +18.2% | +2.9% | +15.3 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 5.6% | 5.9% | -0.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $153.1M | $122.3M | $114.8M | $16.0M | $226K | 0.59% | 3.71% | 0.44% | 8,023 |
| Q4 2025 | $150.8M | $114.9M | $113.4M | $15.8M | $4.6M | 3.02% | 3.63% | 0.88% | 7,964 |
| Q3 2025 | $146.0M | $114.3M | $111.5M | $15.6M | $4.4M | 3.98% | 3.62% | 0.82% | 7,917 |
| Q2 2025 | $141.3M | $113.0M | $106.4M | $15.3M | $4.0M | 5.70% | 3.59% | 0.45% | 7,872 |
| Q1 2025 | $139.2M | $112.5M | $97.1M | $15.2M | $3.9M | 11.21% | 3.44% | 0.18% | 7,802 |
| Q4 2024 | $128.5M | $110.3M | $95.3M | $11.3M | $935K | 0.73% | 3.60% | 0.54% | 7,752 |
| Q3 2024 | $127.8M | $109.8M | $95.0M | $11.0M | $598K | 0.62% | 3.49% | 0.53% | 7,687 |
| Q2 2024 | $127.9M | $109.8M | $95.7M | $10.7M | $359K | 0.56% | 3.39% |
| Ratio | Shoreline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 7,664 |
Loan mix (Q1 2026): real estate $70.6M · commercial $16.3M · consumer $26.5M · securities $16.5M
57th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 78.7% | 78th |
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 | Shoreline 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 | Shoreline 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 | Shoreline 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 | Shoreline 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.