| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.6 pts |
| Loan growth (YoY) | -16.3% | -2.4% | -13.9 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.9M | $7.7M | $6.9M | $1.2M | $23K | 1.03% | 5.40% | 2.21% | 1,773 |
| Q4 2025 | $8.6M | $7.5M | $7.2M | $1.2M | $87K | 1.01% | 5.93% | 2.30% | 1,788 |
| Q3 2025 | $9.1M | $7.9M | $7.6M | $1.1M | $56K | 0.82% | 5.61% | 2.52% | 1,776 |
| Q2 2025 | $9.2M | $8.1M | $7.9M | $1.1M | $23K | 0.51% | 5.43% | 2.52% | 1,797 |
| Q1 2025 | $9.3M | $8.2M | $8.2M | $1.1M | $21K | 0.91% | 5.37% | 3.08% | 1,885 |
| Q4 2024 | $9.3M | $8.2M | $8.7M | $1.1M | $36K | 0.38% | 5.19% | 2.98% | 1,872 |
| Q3 2024 | $9.3M | $7.7M | $8.4M | $1.1M | $35K | 0.50% | 5.17% | 3.33% | 1,857 |
| Q2 2024 | $9.2M | $7.9M | $8.4M | $1.1M | $30K | 0.64% | 5.17% | 2.99% | 1,938 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $4.7M · securities $3K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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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