| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.1 pts |
| ROA | -0.19% | 0.60% | -0.8 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0M | $3.6M | $3.2M | $430K | $-2K | -0.19% | 3.08% | 1.35% | 537 |
| Q4 2025 | $4.0M | $3.5M | $3.1M | $431K | $35K | 0.88% | 2.91% | 2.77% | 532 |
| Q3 2025 | $3.8M | $3.4M | $3.2M | $431K | $34K | 1.20% | 3.08% | 1.18% | 529 |
| Q2 2025 | $4.0M | $3.6M | $3.3M | $419K | $22K | 1.12% | 2.97% | 1.93% | 521 |
| Q1 2025 | $3.9M | $3.5M | $3.4M | $415K | $18K | 1.85% | 3.31% | 1.11% | 530 |
| Q4 2024 | $3.9M | $3.5M | $3.4M | $396K | $20K | 0.52% | 2.50% | 0.00% | 524 |
| Q3 2024 | $3.9M | $3.5M | $3.5M | $376K | $497 | 0.02% | 2.46% | 1.66% | 525 |
| Q2 2024 | $3.9M | $3.5M | $3.4M | $389K | $13K | 0.68% | 2.38% | 0.00% | 541 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $439K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 81.5% | 9th |
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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