| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -2.7% | +0.7% | -3.4 pts |
| Loan growth (YoY) | +17.1% | -2.4% | +19.4 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.7M | $56.9M | $41.5M | $5.1M | $4K | 0.03% | 3.26% | 0.45% | 3,447 |
| Q4 2025 | $61.6M | $55.8M | $39.4M | $5.1M | $61K | 0.10% | 2.98% | 0.41% | 3,465 |
| Q3 2025 | $64.5M | $57.2M | $38.2M | $5.1M | $10K | 0.02% | 2.75% | 1.39% | 3,483 |
| Q2 2025 | $64.2M | $58.7M | $35.8M | $5.0M | $-12K | -0.04% | 2.60% | 0.52% | 3,721 |
| Q1 2025 | $64.3M | $58.5M | $35.4M | $5.1M | $31K | 0.19% | 2.51% | 0.42% | 3,836 |
| Q4 2024 | $60.1M | $54.8M | $35.6M | $5.1M | $18K | 0.03% | 2.40% | 1.63% | 3,818 |
| Q3 2024 | $57.7M | $51.7M | $33.5M | $5.1M | $63K | 0.15% | 2.46% | 1.76% | 3,834 |
| Q2 2024 | $58.9M | $53.2M | $32.3M | $5.1M | $39K | 0.13% | 2.41% | 0.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,835 |
Loan mix (Q1 2026): real estate $28.8M · commercial $0 · consumer $10.9M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th |
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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