| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +5.5% | +2.9% | +2.5 pts |
| ROA | 0.44% | 0.69% | -0.3 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $112.6M | $101.2M | $67.1M | $10.6M | $124K | 0.44% | 3.84% | 0.49% | 9,040 |
| Q4 2025 | $108.3M | $96.9M | $65.2M | $10.5M | $760K | 0.70% | 4.15% | 0.50% | 9,037 |
| Q3 2025 | $106.8M | $95.5M | $66.8M | $10.3M | $588K | 0.73% | 4.18% | 0.50% | 9,035 |
| Q2 2025 | $106.6M | $95.8M | $65.6M | $10.1M | $362K | 0.68% | 4.22% | 0.84% | 8,996 |
| Q1 2025 | $108.5M | $97.9M | $63.7M | $9.9M | $160K | 0.59% | 4.12% | 0.61% | 8,956 |
| Q4 2024 | $103.8M | $93.4M | $64.4M | $9.7M | $1.0M | 0.98% | 4.30% | 0.72% | 8,928 |
| Q3 2024 | $103.5M | $92.9M | $64.1M | $9.5M | $784K | 1.01% | 4.26% | 0.52% | 8,995 |
| Q2 2024 | $107.2M | $96.1M | $65.3M | $9.3M | $556K | 1.04% | 4.07% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 9,025 |
Loan mix (Q1 2026): real estate $32.5M · commercial $424K · consumer $29.7M · securities $20.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 78.7% | 86th |
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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