| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -3.6% | +0.7% | -4.2 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | -0.26% | 0.60% | -0.9 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.6M | $10.1M | $7.6M | $1.5M | $-8K | -0.26% | 4.63% | 0.62% | 1,043 |
| Q4 2025 | $11.3M | $9.8M | $7.5M | $1.5M | $-53K | -0.47% | 4.73% | 0.00% | 1,037 |
| Q3 2025 | $12.1M | $10.6M | $7.7M | $1.6M | $-24K | -0.26% | 4.39% | 0.23% | 1,048 |
| Q2 2025 | $12.1M | $10.5M | $7.6M | $1.6M | $-20K | -0.33% | 4.37% | 0.00% | 1,050 |
| Q1 2025 | $12.0M | $10.4M | $7.9M | $1.5M | $-41K | -1.36% | 4.27% | 0.00% | 1,055 |
| Q4 2024 | $12.4M | $10.9M | $7.9M | $1.6M | $59K | 0.48% | 4.45% | 0.08% | 1,068 |
| Q3 2024 | $11.4M | $9.8M | $8.1M | $1.6M | $111K | 1.29% | 4.92% | 0.18% | 1,095 |
| Q2 2024 | $11.3M | $9.7M | $8.5M | $1.6M | $75K | 1.32% | 5.03% | 0.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,108 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $4.2M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.3% | 81.5% | 91th |
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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