| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.5 pts |
| Loan growth (YoY) | +5.2% | -2.4% | +7.5 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.7M | $9.4M | $5.5M | $1.3M | $19K | 0.72% | 4.32% | 0.66% | 1,460 |
| Q4 2025 | $10.8M | $9.5M | $5.4M | $1.2M | $121K | 1.13% | 4.72% | 0.50% | 1,447 |
| Q3 2025 | $10.7M | $9.4M | $5.5M | $1.3M | $117K | 1.47% | 4.79% | 0.95% | 1,436 |
| Q2 2025 | $10.8M | $9.6M | $5.7M | $1.2M | $113K | 2.09% | 4.70% | 1.25% | 1,424 |
| Q1 2025 | $10.5M | $9.3M | $5.2M | $1.2M | $32K | 1.23% | 4.80% | 0.89% | 1,222 |
| Q4 2024 | $10.2M | $9.1M | $5.2M | $1.1M | $111K | 1.09% | 4.90% | 1.85% | 1,225 |
| Q3 2024 | $10.6M | $9.4M | $5.3M | $1.2M | $108K | 1.37% | 4.66% | 1.49% | 1,384 |
| Q2 2024 | $10.5M | $9.4M | $5.5M | $1.1M | $68K | 1.30% | 4.62% | 1.19% | 1,240 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.3M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 81.5% | 67th |
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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