| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.0 pts |
| ROA | 0.64% | 0.69% | -0.0 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $481.7M | $366.7M | $345.0M | $49.2M | $776K | 0.64% | 3.84% | 0.48% | 34,494 |
| Q4 2025 | $490.5M | $365.4M | $350.6M | $48.4M | $3.3M | 0.66% | 3.45% | 0.50% | 34,565 |
| Q3 2025 | $485.9M | $357.7M | $350.2M | $47.6M | $2.0M | 0.56% | 3.43% | 0.42% | 34,576 |
| Q2 2025 | $474.0M | $361.0M | $344.5M | $46.9M | $1.4M | 0.59% | 3.47% | 0.47% | 34,488 |
| Q1 2025 | $473.5M | $360.0M | $341.9M | $46.1M | $566K | 0.48% | 3.48% | 0.35% | 34,312 |
| Q4 2024 | $477.9M | $359.5M | $344.8M | $45.5M | $3.0M | 0.62% | 3.29% | 0.25% | 34,430 |
| Q3 2024 | $479.5M | $357.1M | $338.5M | $44.8M | $1.8M | 0.51% | 3.24% | 0.33% | 34,794 |
| Q2 2024 | $487.0M | $369.5M | $340.3M | $44.0M | $1.1M | 0.44% | 3.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 34,865 |
Loan mix (Q1 2026): real estate $165.9M · commercial $0 · consumer $172.7M · securities $104.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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