| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +13.0% | +0.7% | +12.4 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.2 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.9M | $11.6M | $7.5M | $2.3M | $14K | 0.39% | 4.17% | 0.89% | 823 |
| Q4 2025 | $13.2M | $10.9M | $7.8M | $2.3M | $-148K | -1.12% | 3.75% | 1.49% | 830 |
| Q3 2025 | $13.3M | $10.9M | $7.8M | $2.3M | $-112K | -1.12% | 3.64% | 1.55% | 834 |
| Q2 2025 | $12.7M | $10.3M | $7.9M | $2.4M | $-30K | -0.47% | 3.64% | 3.10% | 835 |
| Q1 2025 | $12.7M | $10.3M | $7.8M | $2.4M | $5K | 0.14% | 3.63% | 5.31% | 832 |
| Q4 2024 | $12.8M | $10.3M | $7.9M | $2.4M | $80K | 0.63% | 4.12% | 6.08% | 1,172 |
| Q3 2024 | $13.2M | $10.8M | $8.0M | $2.4M | $89K | 0.89% | 4.05% | 1.99% | 848 |
| Q2 2024 | $12.8M | $10.4M | $8.0M | $2.4M | $58K | 0.90% | 4.16% | 1.71% | 880 |
| Ratio | Dixie Line Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 81.5% | 53th |
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 | Dixie Line Credit Union | 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 | Dixie Line Credit Union | 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 | Dixie Line Credit Union | 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 | Dixie Line Credit Union | 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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