| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.6 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $3.7M | $1.4M | $656K | $8K | 0.70% | 2.64% | 0.00% | 297 |
| Q4 2025 | $4.4M | $3.7M | $1.4M | $644K | $23K | 0.53% | 2.30% | 0.00% | 298 |
| Q3 2025 | $4.3M | $3.7M | $1.4M | $635K | $14K | 0.44% | 2.37% | 0.23% | 302 |
| Q2 2025 | $4.3M | $3.6M | $1.5M | $627K | $6K | 0.27% | 2.23% | 0.07% | 303 |
| Q1 2025 | $4.3M | $3.7M | $1.3M | $621K | $-970 | -0.09% | 2.41% | 0.44% | 302 |
| Q4 2024 | $4.2M | $3.6M | $1.2M | $621K | $17K | 0.39% | 2.18% | 0.00% | 296 |
| Q3 2024 | $4.3M | $3.7M | $1.3M | $619K | $14K | 0.44% | 2.11% | 0.00% | 295 |
| Q2 2024 | $4.2M | $3.6M | $1.2M | $613K | $9K | 0.41% | 2.11% | 0.00% | 301 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $400K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 81.5% | 32th |
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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