| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | -0.70% | 0.60% | -1.3 pts |
| ROE | -7.8% | 4.1% | -11.9 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.6M | $18.4M | $12.5M | $1.9M | $-36K | -0.70% | 5.05% | 0.85% | 3,333 |
| Q4 2025 | $20.1M | $17.9M | $12.9M | $2.0M | $56K | 0.28% | 5.53% | 0.43% | 3,341 |
| Q3 2025 | $20.5M | $18.3M | $12.8M | $1.9M | $22K | 0.14% | 4.93% | 0.37% | 3,357 |
| Q2 2025 | $20.7M | $18.5M | $12.6M | $1.9M | $37K | 0.36% | 4.74% | 0.32% | 3,349 |
| Q1 2025 | $21.2M | $18.9M | $13.1M | $1.9M | $22K | 0.42% | 4.52% | 0.35% | 3,535 |
| Q4 2024 | $20.5M | $18.4M | $13.2M | $1.9M | $33K | 0.16% | 6.41% | 0.60% | 3,564 |
| Q3 2024 | $20.6M | $18.7M | $13.5M | $1.8M | $-64K | -0.42% | 4.72% | 0.48% | 3,572 |
| Q2 2024 | $21.6M | $19.6M | $13.9M | $1.9M | $-4K | -0.04% | 4.51% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -7.8% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,587 |
Loan mix (Q1 2026): real estate $854K · commercial $46K · consumer $10.8M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.7% | 81.5% | 86th |
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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