| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.1% | +1.3% | -16.4 pts |
| Share growth (YoY) | -19.1% | +0.7% | -19.8 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.8 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.1M | $892K | $985K | $254K | $2K | 0.65% | 5.18% | 0.00% | 250 |
| Q4 2025 | $1.2M | $949K | $1.0M | $252K | $3K | 0.24% | 4.65% | 0.16% | 251 |
| Q3 2025 | $1.4M | $1.1M | $957K | $252K | $3K | 0.30% | 4.03% | 0.18% | 258 |
| Q2 2025 | $1.3M | $1.1M | $978K | $250K | $1K | 0.21% | 3.93% | 0.00% | 263 |
| Q1 2025 | $1.4M | $1.1M | $1.1M | $248K | $-691 | -0.20% | 3.42% | 0.14% | 261 |
| Q4 2024 | $1.3M | $1.1M | $1.1M | $249K | $-4K | -0.26% | 3.70% | 0.56% | 265 |
| Q3 2024 | $1.5M | $1.3M | $1.2M | $249K | $-3K | -0.27% | 3.13% | 0.13% | 261 |
| Q2 2024 | $1.5M | $1.2M | $1.2M | $250K | $-2K | -0.33% | 3.21% | 0.13% | 263 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $961K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 81.5% | 57th |
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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