| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.2% | +1.3% | -12.5 pts |
| Share growth (YoY) | -14.3% | +0.7% | -14.9 pts |
| Loan growth (YoY) | -8.6% | -2.4% | -6.3 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.5M | $1.4M | $373K | $5K | 1.05% | 2.93% | 0.00% | 216 |
| Q4 2025 | $1.9M | $1.5M | $1.5M | $368K | $16K | 0.82% | 2.73% | 6.43% | 215 |
| Q3 2025 | $1.9M | $1.6M | $1.5M | $363K | $11K | 0.74% | 2.72% | 0.00% | 216 |
| Q2 2025 | $2.1M | $1.8M | $1.7M | $360K | $8K | 0.73% | 2.52% | 0.00% | 216 |
| Q1 2025 | $2.2M | $1.8M | $1.6M | $358K | $6K | 1.07% | 2.72% | 0.00% | 221 |
| Q4 2024 | $2.1M | $1.7M | $1.7M | $352K | $1K | 0.07% | 2.56% | 0.24% | 233 |
| Q3 2024 | $2.1M | $1.8M | $1.7M | $357K | $7K | 0.42% | 2.47% | 0.23% | 222 |
| Q2 2024 | $2.1M | $1.7M | $1.6M | $360K | $10K | 0.95% | 2.44% | 0.11% | 220 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $938K · securities $4K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 81.5% | 17th |
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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