| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.3 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.3 pts |
| ROA | 1.82% | 0.60% | +1.2 pts |
| ROE | 14.0% | 4.1% | +9.9 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.9M | $8.6M | $2.8M | $1.3M | $45K | 1.82% | 3.25% | 0.00% | 476 |
| Q4 2025 | $9.3M | $8.0M | $2.9M | $1.2M | $159K | 1.71% | 3.23% | 0.00% | 479 |
| Q3 2025 | $9.1M | $7.8M | $2.7M | $1.2M | $121K | 1.78% | 3.29% | 0.00% | 482 |
| Q2 2025 | $9.5M | $8.3M | $2.8M | $1.2M | $77K | 1.64% | 3.08% | 0.00% | 481 |
| Q1 2025 | $9.2M | $8.0M | $2.8M | $1.1M | $34K | 1.49% | 2.97% | 0.00% | 478 |
| Q4 2024 | $8.9M | $7.8M | $2.8M | $1.1M | $135K | 1.51% | 2.98% | 0.00% | 476 |
| Q3 2024 | $9.1M | $8.1M | $2.7M | $1.1M | $107K | 1.56% | 2.93% | 0.00% | 474 |
| Q2 2024 | $9.3M | $8.2M | $2.7M | $1.0M | $72K | 1.55% | 2.90% | 0.00% | 472 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 81.5% | 3th |
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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