| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +9.3% | +0.7% | +8.6 pts |
| Loan growth (YoY) | +8.7% | -2.4% | +11.1 pts |
| ROA | -0.05% | 0.60% | -0.7 pts |
| ROE | -0.2% | 4.1% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $10.7M | $8.1M | $3.3M | $-2K | -0.05% | 5.11% | 0.03% | 1,671 |
| Q4 2025 | $13.4M | $10.1M | $8.2M | $3.2M | $-17K | -0.13% | 5.01% | 0.13% | 1,657 |
| Q3 2025 | $13.2M | $9.9M | $8.0M | $3.2M | $-21K | -0.21% | 4.97% | 0.04% | 1,641 |
| Q2 2025 | $13.2M | $9.8M | $7.7M | $3.2M | $-26K | -0.39% | 4.82% | 0.10% | 1,634 |
| Q1 2025 | $13.2M | $9.8M | $7.5M | $3.2M | $-18K | -0.56% | 4.62% | 0.10% | 1,624 |
| Q4 2024 | $13.3M | $9.9M | $7.4M | $3.3M | $-54K | -0.41% | 4.19% | 0.11% | 1,618 |
| Q3 2024 | $13.4M | $10.0M | $7.3M | $3.3M | $-29K | -0.29% | 4.21% | 0.02% | 1,624 |
| Q2 2024 | $13.6M | $10.3M | $7.0M | $3.3M | $-22K | -0.32% | 3.98% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,608 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.0M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.9% | 81.5% | 85th |
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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