| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +15.7% | -2.4% | +18.0 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $88.2M | $79.1M | $34.4M | $8.8M | $246K | 1.12% | 3.87% | 0.29% | 5,576 |
| Q4 2025 | $85.3M | $76.1M | $35.1M | $8.5M | $1.3M | 1.52% | 3.87% | 0.93% | 5,579 |
| Q3 2025 | $84.6M | $75.8M | $34.7M | $8.2M | $993K | 1.56% | 3.82% | 0.09% | 5,583 |
| Q2 2025 | $84.2M | $75.6M | $31.1M | $7.9M | $648K | 1.54% | 3.78% | 0.33% | 5,569 |
| Q1 2025 | $83.8M | $75.7M | $29.8M | $7.5M | $316K | 1.51% | 3.82% | 0.09% | 5,552 |
| Q4 2024 | $81.3M | $73.7M | $29.9M | $7.2M | $616K | 0.76% | 2.98% | 0.29% | 5,568 |
| Q3 2024 | $82.2M | $74.8M | $29.6M | $7.0M | $385K | 0.62% | 2.70% | 0.38% | 5,588 |
| Q2 2024 | $82.1M | $74.8M | $29.2M | $6.8M | $212K | 0.52% | 2.58% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,607 |
Loan mix (Q1 2026): real estate $13.7M · commercial $0 · consumer $18.6M · securities $40.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 81.5% | 37th |
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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