| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.6 pts |
| Loan growth (YoY) | -17.6% | -2.4% | -15.3 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.2M | $6.4M | $2.1M | $816K | $1K | 0.07% | 4.16% | 1.27% | 1,127 |
| Q4 2025 | $7.1M | $6.2M | $2.2M | $814K | $36K | 0.51% | 4.43% | 1.32% | 1,135 |
| Q3 2025 | $7.3M | $6.2M | $2.4M | $802K | $24K | 0.43% | 4.30% | 1.10% | 1,133 |
| Q2 2025 | $7.4M | $6.4M | $2.4M | $796K | $18K | 0.49% | 4.28% | 0.99% | 1,157 |
| Q1 2025 | $7.4M | $6.5M | $2.6M | $787K | $9K | 0.51% | 4.15% | 1.03% | 1,157 |
| Q4 2024 | $7.4M | $6.6M | $2.7M | $778K | $-65K | -0.87% | 3.94% | 1.08% | 1,161 |
| Q3 2024 | $7.4M | $6.4M | $2.8M | $766K | $-80K | -1.44% | 3.88% | 1.12% | 1,169 |
| Q2 2024 | $7.4M | $6.4M | $2.8M | $748K | $-95K | -2.58% | 3.77% | 1.17% | 1,179 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $144K · commercial $0 · consumer $1.9M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.5% | 81.5% | 83th |
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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