| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +9.0% | +0.7% | +8.3 pts |
| Loan growth (YoY) | +8.1% | -2.4% | +10.5 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.2M | $14.9M | $8.9M | $1.3M | $3K | 0.09% | 4.29% | 0.34% | 2,049 |
| Q4 2025 | $16.1M | $14.7M | $8.7M | $1.3M | $28K | 0.18% | 4.11% | 0.82% | 2,048 |
| Q3 2025 | $14.8M | $13.3M | $8.9M | $1.3M | $50K | 0.45% | 4.44% | 0.70% | 2,035 |
| Q2 2025 | $14.7M | $13.3M | $8.6M | $1.3M | $22K | 0.30% | 4.36% | 0.12% | 2,024 |
| Q1 2025 | $15.1M | $13.7M | $8.3M | $1.2M | $7K | 0.17% | 4.10% | 0.15% | 2,002 |
| Q4 2024 | $15.0M | $13.6M | $8.2M | $1.2M | $71K | 0.48% | 4.03% | 0.56% | 1,992 |
| Q3 2024 | $14.3M | $12.9M | $8.4M | $1.2M | $62K | 0.58% | 4.24% | 0.23% | 1,996 |
| Q2 2024 | $14.2M | $12.7M | $8.4M | $1.3M | $88K | 1.25% | 4.35% | 0.53% | 1,992 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $5K · commercial $0 · consumer $8.7M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 81.5% | 64th |
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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