| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -8.0% | -2.4% | -5.7 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.7M | $7.3M | $7.3M | $1.4M | $5K | 0.24% | 2.63% | 2.33% | 988 |
| Q4 2025 | $8.8M | $7.3M | $7.5M | $1.4M | $42K | 0.48% | 2.74% | 1.61% | 1,007 |
| Q3 2025 | $8.9M | $7.5M | $7.6M | $1.4M | $36K | 0.54% | 2.62% | 1.25% | 1,012 |
| Q2 2025 | $8.9M | $7.5M | $7.9M | $1.4M | $30K | 0.67% | 2.61% | 0.90% | 999 |
| Q1 2025 | $8.9M | $7.5M | $7.9M | $1.4M | $10K | 0.43% | 2.35% | 1.26% | 997 |
| Q4 2024 | $9.1M | $7.8M | $7.3M | $1.4M | $2K | 0.02% | 1.62% | 2.29% | 991 |
| Q3 2024 | $8.9M | $7.5M | $7.7M | $1.3M | $48K | 0.71% | 2.65% | 1.34% | 990 |
| Q2 2024 | $8.7M | $7.3M | $7.8M | $1.3M | $33K | 0.76% | 2.76% | 1.18% | 970 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.3M · securities $253K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 81.5% | 29th |
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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