| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +6.4% | +0.7% | +5.7 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.9M | $58.7M | $30.5M | $7.0M | $201K | 1.22% | 3.90% | 0.03% | 2,972 |
| Q4 2025 | $62.8M | $55.9M | $30.0M | $6.8M | $907K | 1.44% | 3.99% | 0.00% | 2,980 |
| Q3 2025 | $62.2M | $55.5M | $29.1M | $6.5M | $675K | 1.45% | 3.96% | 0.08% | 2,991 |
| Q2 2025 | $61.8M | $55.3M | $29.6M | $6.4M | $526K | 1.70% | 3.93% | 0.07% | 3,002 |
| Q1 2025 | $64.8M | $55.2M | $28.6M | $6.1M | $216K | 1.33% | 3.60% | 0.24% | 3,062 |
| Q4 2024 | $60.0M | $54.0M | $28.7M | $5.9M | $618K | 1.03% | 3.35% | 0.19% | 3,061 |
| Q3 2024 | $60.3M | $54.5M | $28.4M | $5.7M | $441K | 0.97% | 3.23% | 0.38% | 3,073 |
| Q2 2024 | $60.1M | $54.5M | $27.5M | $5.5M | $266K | 0.89% | 3.13% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,061 |
Loan mix (Q1 2026): real estate $19.0M · commercial $367K · consumer $8.7M · securities $29.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 27th |
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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