| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.6% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -15.4% | -2.4% | -13.1 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $3.2M | $2.6M | $1.3M | $5K | 0.46% | 3.51% | 0.79% | 523 |
| Q4 2025 | $4.4M | $3.1M | $2.8M | $1.3M | $16K | 0.36% | 3.32% | 1.14% | 520 |
| Q3 2025 | $4.5M | $3.2M | $2.8M | $1.3M | $14K | 0.42% | 3.26% | 0.71% | 520 |
| Q2 2025 | $4.4M | $3.1M | $2.9M | $1.2M | $1K | 0.07% | 3.23% | 0.83% | 519 |
| Q1 2025 | $4.3M | $3.1M | $3.0M | $1.2M | $-17K | -1.55% | 2.25% | 0.00% | 517 |
| Q4 2024 | $4.4M | $3.2M | $2.8M | $1.2M | $34K | 0.78% | 3.71% | 0.00% | 518 |
| Q3 2024 | $4.5M | $3.2M | $3.1M | $1.2M | $37K | 1.09% | 3.82% | 1.19% | 500 |
| Q2 2024 | $4.7M | $3.4M | $3.0M | $1.2M | $25K | 1.06% | 3.80% | 0.07% | 531 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $876K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 81.5% | 63th |
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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