| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.6 pts |
| ROA | 0.97% | 0.69% | +0.3 pts |
| ROE | 10.2% | 5.9% | +4.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.5M | $90.9M | $66.9M | $9.8M | $250K | 0.97% | 3.33% | 0.45% | 7,732 |
| Q4 2025 | $102.1M | $88.9M | $68.0M | $9.6M | $898K | 0.88% | 3.44% | 0.81% | 7,780 |
| Q3 2025 | $100.8M | $87.3M | $69.1M | $9.6M | $774K | 1.02% | 3.41% | 0.56% | 7,855 |
| Q2 2025 | $101.2M | $88.7M | $68.9M | $9.2M | $410K | 0.81% | 3.35% | 0.67% | 7,892 |
| Q1 2025 | $99.8M | $87.5M | $68.0M | $9.0M | $221K | 0.89% | 3.30% | 0.34% | 7,929 |
| Q4 2024 | $98.6M | $86.1M | $65.1M | $8.8M | $572K | 0.58% | 3.06% | 0.59% | 7,935 |
| Q3 2024 | $98.2M | $86.0M | $63.5M | $8.8M | $392K | 0.53% | 2.95% | 0.54% | 8,061 |
| Q2 2024 | $97.1M | $85.3M | $62.6M | $8.6M | $199K | 0.41% | 2.90% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,041 |
Loan mix (Q1 2026): real estate $27.7M · commercial $10.1M · consumer $28.4M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 78.7% | 42th |
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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