| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.6 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -5.0 pts |
| ROA | -4.38% | 0.60% | -5.0 pts |
| ROE | -10.0% | 4.1% | -14.1 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 | $1.6M | $911K | $473K | $705K | $-18K | -4.38% | 2.87% | 11.10% | 292 |
| Q4 2025 | $1.6M | $887K | $497K | $705K | $-10K | -0.62% | 5.44% | 11.04% | 293 |
| Q3 2025 | $1.7M | $951K | $507K | $707K | $-12K | -0.96% | 4.95% | 6.33% | 295 |
| Q2 2025 | $1.6M | $926K | $490K | $707K | $-12K | -1.49% | 4.34% | 7.49% | 298 |
| Q1 2025 | $1.6M | $929K | $510K | $707K | $-6K | -1.51% | 5.59% | 8.89% | 299 |
| Q4 2024 | $1.7M | $961K | $518K | $707K | $-4K | -0.22% | 6.23% | 8.00% | 300 |
| Q3 2024 | $1.7M | $979K | $538K | $707K | $-99 | -0.01% | 6.84% | 8.60% | 303 |
| Q2 2024 | $1.8M | $1.1M | $528K | $707K | $-5K | -0.56% | 6.67% | 5.93% | 305 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.38% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -10.0% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $473K · securities $202K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 246.6% | 81.5% | 99th |
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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