| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.8% | -0.9 pts |
| Share growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| Loan growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| ROA | 0.22% | 0.62% | -0.4 pts |
| ROE | 2.2% | 5.9% | -3.7 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $801.9M | $634.7M | $654.0M | $80.2M | $451K | 0.22% | 2.67% | 0.40% | 41,028 |
| Q4 2025 | $807.9M | $625.8M | $665.0M | $79.8M | $1.7M | 0.22% | 2.32% | 0.41% | 41,380 |
| Q3 2025 | $810.4M | $619.9M | $672.1M | $79.0M | $1.0M | 0.17% | 2.23% | 0.40% | 41,834 |
| Q2 2025 | $799.1M | $619.8M | $666.0M | $78.4M | $386K | 0.10% | 2.19% | 0.27% | 41,843 |
| Q1 2025 | $772.4M | $599.1M | $636.7M | $78.0M | $-51K | -0.03% | 2.17% | 0.35% | 41,520 |
| Q4 2024 | $747.0M | $579.2M | $606.4M | $78.0M | $467K | 0.06% | 2.12% | 0.39% | 41,420 |
| Q3 2024 | $749.9M | $577.1M | $600.8M | $78.2M | $671K | 0.12% | 2.08% | 0.47% | 41,838 |
| Q2 2024 | $740.7M | $567.8M | $587.5M | $77.5M | $-120K | -0.03% | 2.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | The Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.62% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 40,431 |
Loan mix (Q1 2026): real estate $425.7M · commercial $75.2M · consumer $123.9M · securities $64.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 78.3% | 93rd |
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 | The Peoples 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 | The Peoples 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 | The Peoples 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 | The Peoples 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 | The Peoples 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.
6 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Newport, RI, ranked 4th with 9.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Newport, RI | 3 | $309.9M* | 9.66% | 4th |
| Washington, RI | 2 | $206.6M* | 3.23% | 7th |
| Bristol, RI | 1 | $103.3M* | 4.93% | 8th |
Rhode Island: 11th with 1.25% · Providence-Warwick metro: 18th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6