| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.8% | +1.3% | +24.5 pts |
| Share growth (YoY) | +24.3% | +0.7% | +23.7 pts |
| Loan growth (YoY) | +19.4% | -2.4% | +21.8 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.5M | $58.0M | $54.8M | $7.0M | $112K | 0.69% | 4.18% | 0.90% | 7,382 |
| Q4 2025 | $56.5M | $50.6M | $49.8M | $5.4M | $601K | 1.06% | 4.27% | 1.26% | 5,838 |
| Q3 2025 | $54.1M | $48.3M | $49.4M | $5.3M | $418K | 1.03% | 4.31% | 1.16% | 5,878 |
| Q2 2025 | $52.4M | $46.5M | $47.1M | $5.1M | $293K | 1.12% | 4.42% | 0.97% | 5,949 |
| Q1 2025 | $52.1M | $46.7M | $45.9M | $5.0M | $103K | 0.79% | 4.36% | 0.12% | 5,908 |
| Q4 2024 | $50.5M | $44.8M | $44.2M | $4.8M | $350K | 0.69% | 4.32% | 0.67% | 6,567 |
| Q3 2024 | $48.4M | $43.3M | $43.0M | $4.8M | $345K | 0.95% | 4.51% | 0.73% | 6,567 |
| Q2 2024 | $47.5M | $42.5M | $42.2M | $4.8M | $285K | 1.20% | 4.55% | 0.60% |
| Ratio | Fellowship Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,614 |
Loan mix (Q1 2026): real estate $33.3M · commercial $4.0M · consumer $16.1M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th |
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 | Fellowship Credit Union | 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 | Fellowship Credit Union | 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 | Fellowship Credit Union | 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 | Fellowship Credit Union | 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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