| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +1.3% | -10.3 pts |
| Share growth (YoY) | -13.1% | +0.7% | -13.8 pts |
| Loan growth (YoY) | +2.2% | -2.4% | +4.6 pts |
| ROA | 0.12% | 0.60% | -0.5 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.0M | $10.5M | $8.8M | $5.4M | $5K | 0.12% | 4.07% | 3.55% | 1,420 |
| Q4 2025 | $16.4M | $11.1M | $9.0M | $5.4M | $27K | 0.17% | 4.36% | 3.01% | 1,459 |
| Q3 2025 | $16.6M | $11.1M | $8.9M | $5.4M | $5K | 0.04% | 4.36% | 4.49% | 1,459 |
| Q2 2025 | $17.2M | $11.8M | $8.8M | $5.4M | $3K | 0.03% | 4.17% | 2.95% | 1,476 |
| Q1 2025 | $17.5M | $12.1M | $8.6M | $5.4M | $3K | 0.06% | 4.03% | 2.05% | 1,512 |
| Q4 2024 | $17.2M | $11.8M | $8.7M | $5.4M | $37K | 0.21% | 4.36% | 1.96% | 1,531 |
| Q3 2024 | $17.5M | $12.1M | $9.1M | $5.4M | $36K | 0.28% | 4.24% | 2.80% | 1,590 |
| Q2 2024 | $17.4M | $12.0M | $9.2M | $5.4M | $26K | 0.30% | 4.09% | 2.28% | 1,606 |
| Ratio | Greensboro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $4.0M · commercial $0 · consumer $4.5M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.1% | 81.5% | 82th |
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 | Greensboro 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 | Greensboro 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 | Greensboro 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 | Greensboro 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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