| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.1 pts |
| ROA | 1.92% | 0.60% | +1.3 pts |
| ROE | 10.2% | 4.1% | +6.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.5M | $9.3M | $6.4M | $2.2M | $55K | 1.92% | 4.78% | 0.00% | 777 |
| Q4 2025 | $11.4M | $9.3M | $6.6M | $2.1M | $206K | 1.80% | 4.83% | 0.06% | 774 |
| Q3 2025 | $11.3M | $9.2M | $6.4M | $2.0M | $143K | 1.70% | 4.89% | 0.35% | 778 |
| Q2 2025 | $11.2M | $9.2M | $6.8M | $2.0M | $87K | 1.55% | 4.89% | 1.14% | 779 |
| Q1 2025 | $11.6M | $9.6M | $6.7M | $1.9M | $28K | 0.98% | 4.63% | 0.12% | 784 |
| Q4 2024 | $11.4M | $9.5M | $6.8M | $1.9M | $186K | 1.63% | 4.50% | 0.37% | 788 |
| Q3 2024 | $11.4M | $9.5M | $6.8M | $1.9M | $136K | 1.59% | 4.46% | 0.38% | 786 |
| Q2 2024 | $11.4M | $9.5M | $6.6M | $1.8M | $80K | 1.41% | 4.34% | 0.07% | 790 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $3.6M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 81.5% | 16th |
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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