| Metric | Health Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.1 pts |
| Loan growth (YoY) | +9.4% | -2.4% | +11.8 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 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 | $27.4M | $21.0M | $19.4M | $6.1M | $9K | 0.13% | 4.99% | 2.28% | 2,105 |
| Q4 2025 | $27.6M | $21.3M | $19.0M | $6.1M | $-32K | -0.12% | 4.94% | 2.14% | 2,130 |
| Q3 2025 | $28.3M | $21.7M | $17.9M | $6.2M | $-7K | -0.03% | 4.81% | 2.73% | 2,101 |
| Q2 2025 | $28.5M | $22.1M | $17.3M | $6.1M | $-59K | -0.41% | 4.71% | 3.40% | 2,081 |
| Q1 2025 | $28.7M | $22.2M | $17.7M | $6.2M | $56K | 0.79% | 4.69% | 2.20% | 2,078 |
| Q4 2024 | $28.0M | $21.5M | $17.9M | $6.2M | $148K | 0.53% | 4.62% | 1.84% | 2,082 |
| Q3 2024 | $27.9M | $21.6M | $18.1M | $6.1M | $108K | 0.52% | 4.59% | 2.88% | 2,085 |
| Q2 2024 | $27.7M | $21.5M | $17.8M | $6.1M | $61K | 0.44% | 4.59% | 1.43% |
| Ratio | Health Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,091 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $16.3M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 81.5% | 22th |
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 | Health 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 | Health 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 | Health 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 | Health 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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