| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +1.3% | -5.9 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -8.7% | -2.4% | -6.3 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $87.1M | $67.6M | $41.1M | $19.7M | $100K | 0.46% | 4.15% | 0.52% | 9,251 |
| Q4 2025 | $87.2M | $69.8M | $41.8M | $19.6M | $779K | 0.89% | 4.30% | 0.38% | 9,382 |
| Q3 2025 | $87.1M | $67.6M | $43.7M | $19.4M | $603K | 0.92% | 4.30% | 0.69% | 9,510 |
| Q2 2025 | $90.4M | $71.5M | $44.6M | $19.0M | $220K | 0.49% | 4.08% | 0.53% | 9,610 |
| Q1 2025 | $91.3M | $72.5M | $45.1M | $18.9M | $121K | 0.53% | 3.88% | 0.37% | 9,675 |
| Q4 2024 | $88.1M | $69.6M | $46.5M | $18.8M | $1.0M | 1.18% | 4.27% | 0.27% | 9,794 |
| Q3 2024 | $90.3M | $71.6M | $47.8M | $18.7M | $879K | 1.30% | 4.18% | 0.23% | 9,941 |
| Q2 2024 | $91.9M | $73.3M | $48.6M | $18.4M | $590K | 1.28% | 4.07% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 10,052 |
Loan mix (Q1 2026): real estate $7.6M · commercial $0 · consumer $32.1M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 81.5% | 70th |
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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