| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.7 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.8 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.7M | $10.1M | $5.4M | $1.2M | $4K | 0.15% | 4.24% | 0.01% | 1,095 |
| Q4 2025 | $11.4M | $9.9M | $5.6M | $1.2M | $85K | 0.75% | 4.44% | 0.16% | 1,111 |
| Q3 2025 | $11.8M | $10.2M | $5.4M | $1.2M | $69K | 0.78% | 4.30% | 0.03% | 1,122 |
| Q2 2025 | $11.9M | $10.4M | $5.4M | $1.2M | $50K | 0.83% | 4.28% | 0.13% | 1,141 |
| Q1 2025 | $12.1M | $10.6M | $5.5M | $1.2M | $14K | 0.47% | 4.09% | 0.14% | 1,148 |
| Q4 2024 | $11.8M | $10.3M | $5.3M | $1.1M | $116K | 0.98% | 4.21% | 0.16% | 1,149 |
| Q3 2024 | $12.2M | $10.6M | $5.5M | $1.1M | $90K | 0.98% | 4.07% | 1.55% | 1,156 |
| Q2 2024 | $12.1M | $10.6M | $5.2M | $1.1M | $60K | 0.99% | 4.06% | 0.25% | 1,148 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $136K · commercial $0 · consumer $4.8M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 81.5% | 81th |
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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