| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -7.0 pts |
| ROA | 3.64% | 0.60% | +3.0 pts |
| ROE | 14.8% | 4.1% | +10.7 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.6M | $6.4M | $4.8M | $2.1M | $78K | 3.64% | 4.54% | 8.89% | 670 |
| Q4 2025 | $8.4M | $6.3M | $5.1M | $2.1M | $349K | 4.14% | 5.11% | 6.50% | 687 |
| Q3 2025 | $8.5M | $6.4M | $5.4M | $2.1M | $127K | 1.99% | 3.05% | 4.68% | 692 |
| Q2 2025 | $8.5M | $6.4M | $5.4M | $2.0M | $83K | 1.96% | 3.00% | 5.96% | 687 |
| Q1 2025 | $8.1M | $6.1M | $5.3M | $2.0M | $42K | 2.04% | 3.08% | 4.98% | 701 |
| Q4 2024 | $8.3M | $6.3M | $5.5M | $1.9M | $233K | 2.82% | 3.69% | 6.54% | 713 |
| Q3 2024 | $8.3M | $6.4M | $5.8M | $1.9M | $183K | 2.95% | 3.80% | 5.17% | 755 |
| Q2 2024 | $8.3M | $6.5M | $5.7M | $1.8M | $125K | 2.99% | 3.78% | 6.01% | 765 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.64% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $33K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 20.5% | 81.5% | 0th |
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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