| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.7 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.8 pts |
| ROA | -0.46% | 0.60% | -1.1 pts |
| ROE | -3.0% | 4.1% | -7.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $7.8M | $3.8M | $1.4M | $-11K | -0.46% | 4.00% | 1.65% | 892 |
| Q4 2025 | $9.2M | $7.7M | $4.0M | $1.4M | $84K | 0.92% | 4.58% | 1.00% | 885 |
| Q3 2025 | $9.0M | $7.5M | $4.2M | $1.5M | $98K | 1.44% | 4.73% | 1.36% | 877 |
| Q2 2025 | $9.8M | $8.3M | $4.2M | $1.5M | $94K | 1.91% | 4.33% | 2.93% | 875 |
| Q1 2025 | $9.8M | $8.3M | $4.4M | $1.4M | $67K | 2.72% | 4.37% | 0.29% | 883 |
| Q4 2024 | $9.9M | $8.4M | $4.4M | $1.4M | $111K | 1.12% | 3.75% | 1.08% | 888 |
| Q3 2024 | $9.6M | $8.3M | $4.6M | $1.3M | $80K | 1.10% | 3.83% | 0.10% | 883 |
| Q2 2024 | $9.2M | $7.9M | $4.9M | $1.3M | $25K | 0.54% | 3.87% | 0.18% | 873 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.46% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.0% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 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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