| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -21.8% | -2.4% | -19.5 pts |
| ROA | 1.68% | 0.60% | +1.1 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $4.1M | $1.9M | $1.3M | $23K | 1.68% | 4.85% | 2.02% | 874 |
| Q4 2025 | $5.5M | $4.2M | $2.2M | $1.3M | $57K | 1.04% | 5.02% | 0.99% | 879 |
| Q3 2025 | $5.5M | $4.1M | $2.2M | $1.3M | $44K | 1.07% | 5.00% | 1.13% | 859 |
| Q2 2025 | $5.6M | $4.3M | $2.2M | $1.3M | $25K | 0.88% | 4.89% | 0.02% | 853 |
| Q1 2025 | $5.6M | $4.3M | $2.4M | $1.3M | $12K | 0.89% | 4.49% | 0.16% | 853 |
| Q4 2024 | $5.7M | $4.4M | $2.6M | $1.3M | $59K | 1.04% | 4.74% | 0.19% | 853 |
| Q3 2024 | $5.5M | $4.2M | $2.6M | $1.2M | $9K | 0.22% | 2.97% | 0.17% | 824 |
| Q2 2024 | $5.8M | $4.5M | $2.7M | $1.2M | $24K | 0.83% | 4.63% | 0.81% | 824 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $1.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 81.5% | 15th |
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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