| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +3.9% | +4.4 pts |
| Share growth (YoY) | +7.9% | +3.3% | +4.6 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.5 pts |
| ROA | 1.28% | 0.69% | +0.6 pts |
| ROE | 8.5% | 5.9% | +2.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $198.3M | $167.9M | $105.7M | $29.9M | $636K | 1.28% | 3.02% | 0.47% | 13,676 |
| Q4 2025 | $190.7M | $161.0M | $107.1M | $29.3M | $3.0M | 1.57% | 3.27% | 0.43% | 13,650 |
| Q3 2025 | $187.2M | $158.1M | $108.3M | $28.6M | $2.3M | 1.63% | 3.31% | 0.46% | 13,738 |
| Q2 2025 | $185.4M | $157.1M | $106.9M | $27.8M | $1.5M | 1.59% | 3.30% | 0.41% | 13,782 |
| Q1 2025 | $183.2M | $155.6M | $102.2M | $27.0M | $695K | 1.52% | 3.28% | 0.31% | 13,735 |
| Q4 2024 | $177.2M | $150.3M | $100.0M | $26.3M | $3.0M | 1.69% | 3.29% | 0.41% | 13,699 |
| Q3 2024 | $175.4M | $149.3M | $99.6M | $25.5M | $2.2M | 1.70% | 3.29% | 0.35% | 13,774 |
| Q2 2024 | $174.4M | $148.7M | $96.6M | $24.8M | $1.5M | 1.67% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 13,728 |
Loan mix (Q1 2026): real estate $44.2M · commercial $3.0M · consumer $46.7M · securities $68.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 78.7% | 16th |
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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