| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.8 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.8M | $15.1M | $6.9M | $1.7M | $20K | 0.47% | 3.13% | 0.77% | 1,787 |
| Q4 2025 | $16.5M | $14.8M | $7.3M | $1.7M | $30K | 0.18% | 3.12% | 0.65% | 1,789 |
| Q3 2025 | $17.0M | $15.3M | $7.5M | $1.7M | $25K | 0.20% | 3.00% | 0.60% | 1,837 |
| Q2 2025 | $17.4M | $15.7M | $7.5M | $1.7M | $24K | 0.27% | 2.85% | 0.53% | 1,846 |
| Q1 2025 | $17.5M | $15.8M | $7.2M | $1.7M | $6K | 0.13% | 2.70% | 1.16% | 1,872 |
| Q4 2024 | $17.1M | $15.5M | $7.1M | $1.7M | $-14K | -0.08% | 2.66% | 1.15% | 1,873 |
| Q3 2024 | $17.7M | $16.1M | $7.0M | $1.6M | $-14K | -0.11% | 2.50% | 1.04% | 1,886 |
| Q2 2024 | $17.7M | $16.0M | $6.6M | $1.6M | $-44K | -0.50% | 2.47% | 1.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,898 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.9M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.1% | 81.5% | 95th |
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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