| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -20.2% | -2.4% | -17.8 pts |
| ROA | -5.06% | 0.60% | -5.7 pts |
| ROE | -34.6% | 4.1% | -38.7 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.5M | $12.3M | $4.7M | $2.1M | $-183K | -5.06% | 2.21% | 11.68% | 1,655 |
| Q4 2025 | $15.0M | $12.1M | $4.9M | $2.8M | $-404K | -2.69% | 2.91% | 11.20% | 1,653 |
| Q3 2025 | $15.0M | $12.3M | $5.3M | $2.6M | $-87K | -0.77% | 3.20% | 13.19% | 1,653 |
| Q2 2025 | $15.0M | $12.3M | $5.7M | $2.6M | $-171K | -2.29% | 3.44% | 13.57% | 1,649 |
| Q1 2025 | $15.1M | $12.6M | $5.9M | $2.6M | $-229K | -6.06% | 3.43% | 8.61% | 1,644 |
| Q4 2024 | $14.5M | $11.9M | $6.2M | $2.6M | $-292K | -2.02% | 4.23% | 8.97% | 1,645 |
| Q3 2024 | $15.0M | $12.2M | $6.7M | $2.9M | $-40K | -0.36% | 4.21% | 12.91% | 1,645 |
| Q2 2024 | $15.3M | $12.5M | $6.9M | $3.0M | $13K | 0.17% | 4.22% | 13.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.06% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -34.6% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,640 |
Loan mix (Q1 2026): real estate $460K · commercial $0 · consumer $4.0M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 124.7% | 81.5% | 95th |
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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