| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.2 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.4M | $19.3M | $10.4M | $4.1M | $37K | 0.64% | 4.40% | 1.09% | 2,787 |
| Q4 2025 | $23.4M | $19.3M | $11.3M | $4.0M | $121K | 0.52% | 4.34% | 1.15% | 2,800 |
| Q3 2025 | $23.5M | $19.4M | $10.1M | $4.0M | $99K | 0.56% | 4.33% | 0.92% | 2,799 |
| Q2 2025 | $23.2M | $19.1M | $10.7M | $4.0M | $84K | 0.73% | 4.57% | 0.49% | 2,801 |
| Q1 2025 | $23.1M | $19.0M | $11.1M | $4.0M | $65K | 1.13% | 4.76% | 0.11% | 2,796 |
| Q4 2024 | $23.0M | $19.1M | $11.9M | $3.9M | $280K | 1.22% | 5.00% | 0.17% | 2,808 |
| Q3 2024 | $22.9M | $19.0M | $10.4M | $3.9M | $218K | 1.27% | 5.07% | 0.48% | 2,837 |
| Q2 2024 | $22.3M | $18.5M | $11.1M | $3.9M | $177K | 1.58% | 5.51% | 0.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,844 |
Loan mix (Q1 2026): real estate $3.4M · commercial $0 · consumer $6.6M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 81.5% | 66th |
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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