| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.5M | $40.4M | $19.9M | $7.9M | $153K | 1.26% | 4.09% | 0.68% | 3,557 |
| Q4 2025 | $48.8M | $40.8M | $20.1M | $7.7M | $306K | 0.63% | 4.12% | 0.92% | 3,608 |
| Q3 2025 | $49.9M | $41.8M | $20.2M | $7.8M | $416K | 1.11% | 3.99% | 0.78% | 3,689 |
| Q2 2025 | $50.0M | $42.1M | $20.4M | $7.7M | $252K | 1.01% | 3.86% | 0.90% | 3,728 |
| Q1 2025 | $49.8M | $42.0M | $20.4M | $7.6M | $151K | 1.21% | 3.84% | 0.12% | 3,791 |
| Q4 2024 | $48.7M | $41.1M | $20.9M | $7.4M | $509K | 1.04% | 3.66% | 0.33% | 3,791 |
| Q3 2024 | $49.0M | $41.5M | $21.4M | $7.3M | $388K | 1.05% | 3.58% | 0.10% | 3,840 |
| Q2 2024 | $48.9M | $41.5M | $21.9M | $7.2M | $280K | 1.15% | 3.48% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,855 |
Loan mix (Q1 2026): real estate $8.2M · commercial $42K · consumer $10.1M · securities $19.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 81.5% | 29th |
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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