| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -12.1% | -2.4% | -9.7 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.6M | $34.1M | $23.0M | $5.2M | $58K | 0.59% | 4.44% | 1.87% | 3,305 |
| Q4 2025 | $38.2M | $32.9M | $24.2M | $5.2M | $146K | 0.38% | 4.86% | 1.74% | 3,322 |
| Q3 2025 | $38.4M | $33.1M | $24.6M | $5.2M | $94K | 0.33% | 4.83% | 1.86% | 3,363 |
| Q2 2025 | $39.6M | $34.3M | $25.5M | $5.1M | $39K | 0.20% | 4.69% | 1.90% | 3,386 |
| Q1 2025 | $40.3M | $34.8M | $26.1M | $5.1M | $68K | 0.68% | 4.61% | 1.53% | 3,388 |
| Q4 2024 | $40.1M | $35.0M | $27.4M | $5.1M | $84K | 0.21% | 4.84% | 0.58% | 3,392 |
| Q3 2024 | $38.8M | $33.8M | $28.4M | $5.1M | $40K | 0.14% | 4.99% | 1.02% | 3,429 |
| Q2 2024 | $38.8M | $33.8M | $30.0M | $4.9M | $-125K | -0.65% | 4.99% | 0.69% |
| Ratio | Connection Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,458 |
Loan mix (Q1 2026): real estate $12.4M · commercial $0 · consumer $7.8M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.7% | 81.5% | 81th |
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 | Connection Credit Union | 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 | Connection Credit Union | 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 | Connection Credit Union | 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 | Connection Credit Union | 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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