| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.7 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.8M | $28.6M | $12.4M | $5.0M | $52K | 0.62% | 3.19% | 0.12% | 1,822 |
| Q4 2025 | $32.1M | $26.7M | $12.6M | $5.0M | $405K | 1.26% | 3.51% | 0.19% | 1,888 |
| Q3 2025 | $31.2M | $26.1M | $12.4M | $4.9M | $298K | 1.27% | 3.51% | 0.59% | 1,886 |
| Q2 2025 | $31.8M | $26.1M | $12.7M | $4.8M | $259K | 1.63% | 3.46% | 0.32% | 1,887 |
| Q1 2025 | $32.4M | $27.4M | $12.4M | $4.7M | $190K | 2.35% | 3.38% | 0.25% | 1,884 |
| Q4 2024 | $32.5M | $27.5M | $12.5M | $4.6M | $270K | 0.83% | 3.23% | 0.17% | 1,898 |
| Q3 2024 | $32.5M | $27.8M | $12.6M | $4.5M | $324K | 1.33% | 3.07% | 0.94% | 1,891 |
| Q2 2024 | $34.1M | $29.3M | $12.6M | $4.4M | $140K | 0.82% | 2.90% | 0.55% |
| Ratio | 1St Street Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,893 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $8.4M · securities $18.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 81.5% | 46th |
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 | 1St Street 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 | 1St Street 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 | 1St Street 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 | 1St Street 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% |
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