| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.6 pts |
| Loan growth (YoY) | -16.2% | -2.4% | -13.8 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.0M | $7.8M | $2.3M | $2.2M | $15K | 0.59% | 3.82% | 0.00% | 1,558 |
| Q4 2025 | $10.3M | $8.1M | $2.7M | $2.1M | $83K | 0.80% | 3.85% | 0.00% | 1,736 |
| Q3 2025 | $10.5M | $8.3M | $2.7M | $2.1M | $57K | 0.72% | 3.76% | 0.00% | 1,838 |
| Q2 2025 | $10.9M | $8.8M | $2.9M | $2.1M | $29K | 0.53% | 3.54% | 0.00% | 1,918 |
| Q1 2025 | $10.6M | $8.4M | $2.8M | $2.1M | $9K | 0.34% | 3.59% | 0.00% | 1,921 |
| Q4 2024 | $10.5M | $8.4M | $3.1M | $2.1M | $102K | 0.97% | 3.57% | 0.01% | 1,934 |
| Q3 2024 | $10.9M | $8.8M | $3.2M | $2.0M | $82K | 1.00% | 3.45% | 0.02% | 1,946 |
| Q2 2024 | $11.1M | $9.0M | $3.3M | $2.0M | $33K | 0.60% | 3.11% | 0.02% | 1,966 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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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