| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +5.1% | -7.0 pts |
| Share growth (YoY) | -2.9% | +4.9% | -7.7 pts |
| Loan growth (YoY) | -2.5% | +5.4% | -7.9 pts |
| ROA | 0.11% | 0.71% | -0.6 pts |
| ROE | 0.9% | 6.3% | -5.4 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.05B | $936.1M | $538.6M | $128.5M | $294K | 0.11% | 3.03% | 0.39% | 37,961 |
| Q4 2025 | $1.05B | $929.7M | $547.1M | $128.2M | $274K | 0.03% | 2.70% | 0.38% | 38,513 |
| Q3 2025 | $1.06B | $940.0M | $550.6M | $127.6M | $-521K | -0.07% | 2.57% | 0.37% | 38,847 |
| Q2 2025 | $1.07B | $952.5M | $550.6M | $127.6M | $-493K | -0.09% | 2.43% | 0.47% | 39,287 |
| Q1 2025 | $1.07B | $963.6M | $552.3M | $126.6M | $-1.5M | -0.55% | 2.29% | 0.58% | 40,123 |
| Q4 2024 | $1.05B | $948.1M | $562.6M | $128.1M | $-5.4M | -0.52% | 2.24% | 0.59% | 41,930 |
| Q3 2024 | $1.09B | $942.9M | $570.1M | $129.2M | $-4.5M | -0.55% | 2.14% | 0.63% | 42,564 |
| Q2 2024 | $1.08B | $934.6M | $578.1M | $130.1M | $-3.6M | -0.67% |
| Ratio | The Police Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.71% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 6.3% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 2.13% |
| 0.63% |
| 42,456 |
Loan mix (Q1 2026): real estate $395.6M · commercial $3.9M · consumer $134.4M · securities $206.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 73.0% | 98th |
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 Police 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 Police 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 Police 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 Police 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.