| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -18.8% | -2.4% | -16.4 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.7M | $6.8M | $7.1M | $2.8M | $15K | 0.63% | 3.61% | 1.38% | 907 |
| Q4 2025 | $9.4M | $6.6M | $7.4M | $2.8M | $123K | 1.30% | 4.01% | 1.49% | 919 |
| Q3 2025 | $9.4M | $6.6M | $7.8M | $2.8M | $99K | 1.41% | 4.03% | 1.07% | 921 |
| Q2 2025 | $9.7M | $6.9M | $8.2M | $2.8M | $69K | 1.42% | 3.78% | 1.16% | 923 |
| Q1 2025 | $9.7M | $6.9M | $8.7M | $2.7M | $48K | 1.96% | 3.93% | 0.85% | 931 |
| Q4 2024 | $9.6M | $6.9M | $8.9M | $2.7M | $152K | 1.58% | 3.93% | 0.82% | 927 |
| Q3 2024 | $9.6M | $7.0M | $9.0M | $2.6M | $93K | 1.29% | 3.84% | 2.17% | 946 |
| Q2 2024 | $9.8M | $7.2M | $8.9M | $2.6M | $60K | 1.22% | 3.73% | 1.72% | 944 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $3.3M · securities $35K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 81.5% | 39th |
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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