| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.8 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.6M | $18.9M | $12.2M | $3.6M | $31K | 0.54% | 3.46% | 0.95% | 1,415 |
| Q4 2025 | $21.6M | $17.9M | $12.1M | $3.6M | $215K | 1.00% | 3.72% | 0.47% | 1,421 |
| Q3 2025 | $22.8M | $19.1M | $12.1M | $3.5M | $163K | 0.96% | 3.50% | 0.03% | 1,402 |
| Q2 2025 | $22.6M | $19.0M | $12.0M | $3.5M | $120K | 1.07% | 3.48% | 0.25% | 1,391 |
| Q1 2025 | $22.9M | $19.4M | $12.2M | $3.4M | $60K | 1.04% | 3.63% | 0.02% | 1,410 |
| Q4 2024 | $22.2M | $18.7M | $12.8M | $3.4M | $117K | 0.53% | 3.17% | 0.11% | 1,403 |
| Q3 2024 | $22.6M | $19.2M | $12.4M | $3.4M | $98K | 0.58% | 3.13% | 0.18% | 1,408 |
| Q2 2024 | $22.9M | $19.7M | $12.4M | $3.3M | $52K | 0.45% | 3.03% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,408 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $4.0M · securities $9.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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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