| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.8% | +5.6 pts |
| Share growth (YoY) | +12.3% | +4.3% | +8.0 pts |
| Loan growth (YoY) | +23.1% | +4.3% | +18.7 pts |
| ROA | 0.30% | 0.62% | -0.3 pts |
| ROE | 3.3% | 5.9% | -2.6 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $760.6M | $608.5M | $510.2M | $68.9M | $576K | 0.30% | 2.72% | 0.42% | 33,415 |
| Q4 2025 | $760.0M | $604.1M | $503.8M | $69.0M | $84K | 0.01% | 2.33% | 0.41% | 33,175 |
| Q3 2025 | $750.0M | $590.0M | $496.7M | $68.7M | $-281K | -0.05% | 2.30% | 0.41% | 32,918 |
| Q2 2025 | $710.1M | $551.8M | $439.5M | $68.8M | $-179K | -0.05% | 2.36% | 1.54% | 45,621 |
| Q1 2025 | $689.0M | $541.9M | $414.6M | $68.6M | $-349K | -0.20% | 2.31% | 1.46% | 32,519 |
| Q4 2024 | $677.4M | $526.0M | $407.4M | $69.0M | $-1.6M | -0.23% | 1.99% | 0.91% | 32,566 |
| Q3 2024 | $685.2M | $528.5M | $399.8M | $69.3M | $-1.3M | -0.25% | 1.90% | 1.22% | 33,079 |
| Q2 2024 | $675.4M | $532.8M | $361.5M | $69.9M | $-748K | -0.22% |
| Ratio | Gfa Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.62% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.90% |
| 1.26% |
| 33,058 |
Loan mix (Q1 2026): real estate $273.1M · commercial $105.6M · consumer $81.2M · securities $188.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 78.3% | 49th |
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 | Gfa Federal Credit Union | 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 | Gfa Federal Credit Union | 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 | Gfa Federal Credit Union | 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 | Gfa Federal Credit Union | 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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