| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -7.1% | +0.7% | -7.7 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.2 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.8M | $8.4M | $2.6M | $1.4M | $22K | 0.88% | 3.38% | 0.00% | 750 |
| Q4 2025 | $9.7M | $8.3M | $2.7M | $1.4M | $90K | 0.93% | 3.26% | 0.42% | 756 |
| Q3 2025 | $10.1M | $8.7M | $2.8M | $1.3M | $83K | 1.09% | 3.32% | 0.00% | 766 |
| Q2 2025 | $10.5M | $9.2M | $2.8M | $1.3M | $43K | 0.81% | 3.07% | 0.00% | 762 |
| Q1 2025 | $10.3M | $9.0M | $2.9M | $1.3M | $10K | 0.39% | 2.99% | 0.00% | 758 |
| Q4 2024 | $10.1M | $8.8M | $3.1M | $1.3M | $78K | 0.77% | 2.87% | 0.00% | 757 |
| Q3 2024 | $10.4M | $9.1M | $3.2M | $1.2M | $49K | 0.63% | 2.74% | 0.00% | 767 |
| Q2 2024 | $10.4M | $9.1M | $3.2M | $1.2M | $22K | 0.42% | 2.63% | 0.00% | 770 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 81.5% | 35th |
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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