| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.2 pts |
| Loan growth (YoY) | +1.9% | -2.4% | +4.3 pts |
| ROA | 1.25% | 0.60% | +0.6 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.3M | $5.7M | $4.9M | $1.6M | $23K | 1.25% | 4.78% | 0.00% | 714 |
| Q4 2025 | $7.5M | $5.9M | $4.9M | $1.5M | $109K | 1.45% | 4.76% | 0.28% | 700 |
| Q3 2025 | $7.1M | $5.6M | $4.9M | $1.5M | $86K | 1.61% | 5.06% | 0.06% | 690 |
| Q2 2025 | $6.9M | $5.4M | $4.9M | $1.5M | $55K | 1.61% | 5.15% | 0.33% | 680 |
| Q1 2025 | $6.9M | $5.4M | $4.8M | $1.5M | $29K | 1.66% | 5.09% | 0.00% | 672 |
| Q4 2024 | $7.0M | $5.5M | $4.5M | $1.4M | $45K | 0.64% | 4.74% | 1.46% | 676 |
| Q3 2024 | $6.7M | $5.2M | $4.6M | $1.5M | $92K | 1.82% | 4.89% | 1.82% | 669 |
| Q2 2024 | $6.7M | $5.2M | $4.5M | $1.4M | $59K | 1.76% | 4.90% | 0.42% | 692 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 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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