| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | +12.4% | -2.4% | +14.7 pts |
| ROA | 0.79% | 0.60% | +0.2 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.3M | $29.2M | $14.3M | $5.0M | $68K | 0.79% | 4.15% | 1.47% | 1,289 |
| Q4 2025 | $33.8M | $28.7M | $14.9M | $5.0M | $657K | 1.95% | 4.43% | 0.38% | 1,282 |
| Q3 2025 | $34.5M | $29.5M | $14.1M | $4.8M | $445K | 1.72% | 4.33% | 0.09% | 1,296 |
| Q2 2025 | $35.9M | $31.3M | $13.0M | $4.6M | $256K | 1.43% | 4.13% | 0.03% | 1,310 |
| Q1 2025 | $34.4M | $29.9M | $12.7M | $4.4M | $92K | 1.07% | 4.22% | 2.01% | 1,318 |
| Q4 2024 | $33.9M | $29.8M | $11.1M | $4.3M | $625K | 1.84% | 4.58% | 1.90% | 1,325 |
| Q3 2024 | $34.1M | $29.8M | $11.7M | $4.2M | $466K | 1.82% | 4.61% | 0.64% | 1,331 |
| Q2 2024 | $36.1M | $31.9M | $12.4M | $4.1M | $165K | 0.91% | 4.28% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,349 |
Loan mix (Q1 2026): real estate $5.7M · commercial $0 · consumer $8.1M · securities $12.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 81.5% | 10th |
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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