| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.1 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | 1.69% | 0.60% | +1.1 pts |
| ROE | 22.0% | 4.1% | +17.9 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.6M | $7.0M | $237K | $585K | $32K | 1.69% | 3.12% | 0.00% | 1,012 |
| Q4 2025 | $5.7M | $5.1M | $366K | $560K | $76K | 1.32% | 2.45% | 0.39% | 1,014 |
| Q3 2025 | $3.9M | $3.3M | $380K | $567K | $66K | 2.27% | 3.86% | 0.62% | 1,055 |
| Q2 2025 | $8.8M | $8.3M | $402K | $556K | $57K | 1.28% | 2.03% | 0.44% | 752 |
| Q1 2025 | $7.1M | $6.6M | $256K | $534K | $39K | 2.18% | 3.13% | 3.73% | 1,067 |
| Q4 2024 | $5.5M | $5.0M | $390K | $495K | $41K | 0.74% | 2.95% | 0.00% | 1,071 |
| Q3 2024 | $3.8M | $3.2M | $389K | $534K | $86K | 3.05% | 5.22% | 0.00% | 740 |
| Q2 2024 | $8.4M | $7.9M | $414K | $512K | $64K | 1.52% | 2.73% | 0.00% | 735 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $237K · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 81.5% | 3th |
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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