| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.7 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.2 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.4M | $9.2M | $7.1M | $1.1M | $5K | 0.21% | 3.45% | 0.06% | 1,300 |
| Q4 2025 | $10.1M | $9.0M | $7.0M | $1.1M | $55K | 0.54% | 3.76% | 0.00% | 1,302 |
| Q3 2025 | $10.4M | $9.2M | $7.0M | $1.1M | $51K | 0.65% | 3.68% | 0.00% | 1,304 |
| Q2 2025 | $10.8M | $9.7M | $7.2M | $1.1M | $39K | 0.73% | 3.44% | 0.08% | 1,294 |
| Q1 2025 | $10.5M | $9.4M | $7.0M | $1.1M | $19K | 0.74% | 3.44% | 0.06% | 1,304 |
| Q4 2024 | $10.1M | $9.1M | $6.8M | $1.1M | $58K | 0.57% | 3.64% | 0.00% | 1,325 |
| Q3 2024 | $10.2M | $9.1M | $7.2M | $1.1M | $56K | 0.73% | 3.60% | 0.00% | 1,337 |
| Q2 2024 | $10.5M | $9.4M | $7.4M | $1.0M | $49K | 0.94% | 3.39% | 0.62% | 1,330 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 81.5% | 73th |
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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