| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.1 pts |
| ROA | 1.86% | 0.60% | +1.3 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $4.4M | $3.7M | $875K | $25K | 1.86% | 5.35% | 1.24% | 492 |
| Q4 2025 | $5.2M | $4.3M | $3.9M | $850K | $90K | 1.73% | 5.26% | 0.02% | 493 |
| Q3 2025 | $5.2M | $4.3M | $3.9M | $832K | $71K | 1.85% | 5.30% | 0.00% | 493 |
| Q2 2025 | $5.1M | $4.3M | $3.9M | $808K | $49K | 1.90% | 5.22% | 0.00% | 494 |
| Q1 2025 | $5.1M | $4.3M | $3.8M | $785K | $25K | 1.95% | 5.22% | 0.00% | 491 |
| Q4 2024 | $5.0M | $4.3M | $3.7M | $761K | $77K | 1.52% | 4.74% | 0.04% | 502 |
| Q3 2024 | $4.8M | $4.1M | $3.6M | $734K | $50K | 1.39% | 4.73% | 1.15% | 504 |
| Q2 2024 | $4.9M | $4.2M | $3.7M | $715K | $31K | 1.28% | 4.44% | 0.00% | 508 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $578K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 20th |
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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