| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 1.55% | 0.60% | +0.9 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $4.9M | $4.1M | $3.2M | $31K | 1.55% | 3.83% | 0.00% | 1,076 |
| Q4 2025 | $8.0M | $4.9M | $4.1M | $3.1M | $148K | 1.84% | 3.94% | 0.00% | 1,083 |
| Q3 2025 | $8.0M | $4.9M | $4.1M | $3.1M | $118K | 1.97% | 3.99% | 0.00% | 1,077 |
| Q2 2025 | $8.1M | $5.1M | $4.3M | $3.1M | $79K | 1.94% | 3.89% | 0.00% | 1,078 |
| Q1 2025 | $8.0M | $4.9M | $4.4M | $3.0M | $38K | 1.91% | 3.77% | 0.00% | 1,077 |
| Q4 2024 | $7.8M | $4.8M | $4.5M | $3.0M | $155K | 1.99% | 3.88% | 0.00% | 1,055 |
| Q3 2024 | $7.9M | $5.0M | $4.9M | $3.0M | $118K | 1.98% | 3.73% | 0.00% | 1,081 |
| Q2 2024 | $8.0M | $5.1M | $5.0M | $2.9M | $73K | 1.81% | 3.53% | 0.00% | 1,088 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 81.5% | 12th |
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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