| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -6.2% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.5 pts |
| ROA | -0.19% | 0.60% | -0.8 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.2M | $398K | $1.1M | $-1K | -0.19% | 3.54% | 7.18% | 244 |
| Q4 2025 | $2.1M | $1.1M | $455K | $1.1M | $-11K | -0.50% | 3.21% | 0.76% | 246 |
| Q3 2025 | $2.2M | $1.2M | $363K | $1.1M | $-9K | -0.52% | 3.12% | 1.73% | 246 |
| Q2 2025 | $2.2M | $1.2M | $390K | $1.1M | $-6K | -0.58% | 3.20% | 8.05% | 251 |
| Q1 2025 | $2.2M | $1.2M | $441K | $1.1M | $-3K | -0.55% | 3.14% | 1.49% | 252 |
| Q4 2024 | $2.2M | $1.3M | $492K | $1.1M | $-2K | -0.07% | 3.40% | 7.00% | 258 |
| Q3 2024 | $2.3M | $1.4M | $490K | $1.1M | $403 | 0.02% | 3.41% | 7.53% | 258 |
| Q2 2024 | $2.3M | $1.4M | $544K | $1.1M | $800 | 0.07% | 3.54% | 1.30% | 260 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $398K · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.3% | 81.5% | 88th |
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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