| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +5.1% | -9.1 pts |
| Share growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Loan growth (YoY) | -5.8% | +5.4% | -11.2 pts |
| ROA | 0.61% | 0.71% | -0.1 pts |
| ROE | 6.3% | 6.3% | +0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.35B | $1.12B | $1.01B | $128.7M | $2.0M | 0.61% | 2.55% | 0.18% | 61,731 |
| Q4 2025 | $1.38B | $1.08B | $1.05B | $126.7M | $4.8M | 0.35% | 2.22% | 0.48% | 61,616 |
| Q3 2025 | $1.39B | $1.05B | $1.08B | $124.8M | $3.0M | 0.29% | 2.17% | 0.36% | 61,603 |
| Q2 2025 | $1.40B | $1.03B | $1.08B | $123.4M | $1.6M | 0.23% | 2.12% | 0.49% | 61,816 |
| Q1 2025 | $1.40B | $1.04B | $1.08B | $122.4M | $517K | 0.15% | 2.05% | 0.24% | 60,994 |
| Q4 2024 | $1.35B | $1.02B | $1.03B | $121.8M | $2.9M | 0.21% | 2.01% | 0.39% | 59,898 |
| Q3 2024 | $1.27B | $1.01B | $950.1M | $121.0M | $2.0M | 0.21% | 2.12% | 0.52% | 58,468 |
| Q2 2024 | $1.25B | $1.01B | $921.7M | $120.2M | $1.3M | 0.20% | 2.13% |
| Ratio | St. Anne's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.71% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.3% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 57,612 |
Loan mix (Q1 2026): real estate $566.0M · commercial $247.0M · consumer $200.6M · securities $208.1M
10th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 73.0% | 59th |
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 | St. Anne's 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 | St. Anne's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | St. Anne's 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 | St. Anne's 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 | St. Anne's 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.
12 branches in 1 county across 1 state (+1 vs 2024). Biggest market: Bristol, MA, ranked 8th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol, MA | 12 | $1.03B* | 5.42% | 8th |
Massachusetts: 56th with 0.16% · Providence-Warwick metro: 14th, 1.50% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 11 · 2024 11 · 2025 12