| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -6.9% | -2.4% | -4.6 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -2.1% | 4.1% | -6.2 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.2M | $884K | $100K | $-520 | -0.16% | 2.60% | 2.35% | 624 |
| Q4 2025 | $1.3M | $1.2M | $887K | $100K | $-3K | -0.21% | 2.88% | 8.72% | 622 |
| Q3 2025 | $1.4M | $1.3M | $942K | $100K | $-3K | -0.32% | 2.52% | 8.83% | 626 |
| Q2 2025 | $1.4M | $1.3M | $975K | $101K | $-2K | -0.32% | 2.36% | 8.65% | 635 |
| Q1 2025 | $1.4M | $1.3M | $950K | $102K | $-464 | -0.13% | 2.52% | 8.89% | 634 |
| Q4 2024 | $1.3M | $1.2M | $845K | $103K | $2K | 0.17% | 3.06% | 1.59% | 603 |
| Q3 2024 | $1.3M | $1.2M | $817K | $104K | $3K | 0.34% | 2.98% | 1.65% | 634 |
| Q2 2024 | $1.4M | $1.3M | $763K | $102K | $1K | 0.17% | 2.92% | 2.02% | 631 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $875K · securities $140K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.7% | 81.5% | 87th |
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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