| Metric | 3Hill Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.7 pts |
| Loan growth (YoY) | +18.1% | -2.4% | +20.4 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.2M | $47.3M | $26.3M | $6.0M | $170K | 1.33% | 3.42% | 1.56% | 3,226 |
| Q4 2025 | $50.3M | $46.6M | $26.9M | $5.9M | $-346K | -0.69% | 3.10% | 1.54% | 3,352 |
| Q3 2025 | $49.5M | $45.9M | $24.0M | $6.0M | $-258K | -0.69% | 3.05% | 1.45% | 3,367 |
| Q2 2025 | $50.8M | $47.5M | $23.3M | $6.0M | $-261K | -1.03% | 2.87% | 1.57% | 3,408 |
| Q1 2025 | $51.5M | $48.3M | $22.3M | $6.1M | $-123K | -0.95% | 2.69% | 0.17% | 3,581 |
| Q4 2024 | $50.7M | $47.8M | $21.8M | $6.2M | $-310K | -0.61% | 2.71% | 1.76% | 3,570 |
| Q3 2024 | $51.3M | $47.7M | $22.3M | $6.3M | $-249K | -0.65% | 2.71% | 2.55% | 3,551 |
| Q2 2024 | $50.9M | $48.1M | $21.3M | $6.4M | $-140K | -0.55% | 2.76% | 2.15% |
| Ratio | 3Hill Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,545 |
Loan mix (Q1 2026): real estate $18.6M · commercial $0 · consumer $7.6M · securities $19.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 81.5% | 24th |
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 | 3Hill 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 | 3Hill 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 | 3Hill 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 | 3Hill 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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