| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.8 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +7.2% | -2.4% | +9.6 pts |
| ROA | 4.28% | 0.60% | +3.7 pts |
| ROE | 29.3% | 4.1% | +25.2 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.0M | $9.4M | $5.0M | $1.6M | $118K | 4.28% | 4.97% | 0.08% | 1,156 |
| Q4 2025 | $10.8M | $9.2M | $5.1M | $1.5M | $206K | 1.90% | 4.43% | 1.49% | 1,164 |
| Q3 2025 | $10.7M | $9.2M | $5.1M | $1.5M | $164K | 2.03% | 4.71% | 0.00% | 1,175 |
| Q2 2025 | $10.6M | $9.1M | $4.8M | $1.4M | $99K | 1.88% | 4.56% | 0.00% | 1,177 |
| Q1 2025 | $10.5M | $9.1M | $4.7M | $1.4M | $53K | 2.02% | 4.56% | 0.00% | 1,183 |
| Q4 2024 | $10.6M | $9.2M | $4.8M | $1.3M | $194K | 1.83% | 4.74% | 1.73% | 1,199 |
| Q3 2024 | $10.3M | $9.0M | $4.8M | $1.3M | $163K | 2.11% | 5.05% | 1.75% | 1,203 |
| Q2 2024 | $10.6M | $9.3M | $4.9M | $1.2M | $108K | 2.04% | 4.92% | 1.65% | 1,214 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.28% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 29.3% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $3.8M · securities $4.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 14.5% | 81.5% | 0th |
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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