| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | +1.9% | -2.4% | +4.2 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 7.4% | 4.1% | +3.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.7M | $4.0M | $3.6M | $717K | $13K | 1.12% | 4.35% | 0.78% | 643 |
| Q4 2025 | $4.6M | $3.9M | $3.7M | $704K | $56K | 1.21% | 4.28% | 1.22% | 642 |
| Q3 2025 | $4.6M | $3.9M | $3.7M | $687K | $42K | 1.21% | 4.24% | 1.37% | 640 |
| Q2 2025 | $4.6M | $3.9M | $3.4M | $670K | $28K | 1.22% | 4.20% | 0.15% | 2 |
| Q1 2025 | $4.6M | $3.9M | $3.5M | $647K | $9K | 0.75% | 3.76% | 0.32% | 652 |
| Q4 2024 | $4.5M | $3.8M | $3.5M | $636K | $39K | 0.88% | 3.84% | 0.55% | 654 |
| Q3 2024 | $4.6M | $4.0M | $3.6M | $629K | $38K | 1.08% | 3.76% | 0.30% | 645 |
| Q2 2024 | $4.9M | $4.2M | $3.7M | $617K | $26K | 1.07% | 3.65% | 0.30% | 651 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $50K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 81.5% | 34th |
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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