| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.3 pts |
| ROA | -2.60% | 0.60% | -3.2 pts |
| ROE | -20.3% | 4.1% | -24.4 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.3M | $17.7M | $14.4M | $2.6M | $-132K | -2.60% | 5.04% | 1.04% | 2,229 |
| Q4 2025 | $20.5M | $17.9M | $14.7M | $2.5M | $136K | 0.66% | 5.00% | 1.30% | 2,242 |
| Q3 2025 | $19.5M | $16.9M | $14.9M | $2.6M | $134K | 0.92% | 5.23% | 2.59% | 2,240 |
| Q2 2025 | $20.3M | $17.7M | $15.1M | $2.6M | $100K | 0.99% | 4.98% | 2.26% | 2,238 |
| Q1 2025 | $20.7M | $18.1M | $15.4M | $2.5M | $62K | 1.20% | 4.93% | 1.24% | 2,231 |
| Q4 2024 | $20.0M | $17.5M | $15.7M | $2.5M | $121K | 0.60% | 5.03% | 1.65% | 2,246 |
| Q3 2024 | $19.8M | $17.4M | $16.1M | $2.5M | $88K | 0.59% | 5.00% | 1.40% | 2,250 |
| Q2 2024 | $19.6M | $17.1M | $16.4M | $2.4M | $63K | 0.65% | 4.94% | 1.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.60% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -20.3% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,250 |
Loan mix (Q1 2026): real estate $3.6M · commercial $382K · consumer $8.8M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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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