| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.7 pts |
| ROA | 1.76% | 0.60% | +1.2 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.9M | $8.0M | $4.1M | $1.9M | $44K | 1.76% | 3.73% | 0.05% | 983 |
| Q4 2025 | $9.8M | $8.0M | $4.1M | $1.8M | $59K | 0.60% | 2.32% | 0.09% | 981 |
| Q3 2025 | $9.9M | $8.0M | $4.1M | $1.9M | $87K | 1.18% | 2.98% | 0.02% | 977 |
| Q2 2025 | $10.2M | $8.4M | $4.1M | $1.8M | $50K | 0.97% | 2.77% | 0.00% | 969 |
| Q1 2025 | $10.2M | $8.4M | $4.3M | $1.8M | $18K | 0.70% | 2.58% | 0.00% | 984 |
| Q4 2024 | $10.0M | $8.4M | $4.5M | $1.8M | $27K | 0.27% | 2.08% | 0.16% | 973 |
| Q3 2024 | $10.2M | $8.3M | $4.3M | $1.8M | $48K | 0.63% | 2.45% | 0.00% | 956 |
| Q2 2024 | $10.7M | $8.9M | $4.4M | $1.8M | $31K | 0.58% | 2.31% | 0.00% | 971 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 81.5% | 6th |
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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