| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.4 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | 2.03% | 0.69% | +1.3 pts |
| ROE | 11.1% | 5.9% | +5.2 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $110.8M | $90.7M | $31.9M | $20.2M | $561K | 2.03% | 3.83% | 0.93% | 8,057 |
| Q4 2025 | $106.5M | $87.0M | $33.0M | $19.6M | $2.6M | 2.48% | 4.01% | 1.39% | 8,080 |
| Q3 2025 | $105.5M | $86.6M | $33.1M | $19.1M | $2.1M | 2.61% | 4.04% | 0.56% | 8,097 |
| Q2 2025 | $105.7M | $87.6M | $33.3M | $18.4M | $1.4M | 2.65% | 3.96% | 0.55% | 8,117 |
| Q1 2025 | $105.2M | $87.8M | $32.9M | $17.7M | $738K | 2.81% | 3.88% | 0.68% | 8,153 |
| Q4 2024 | $102.7M | $85.9M | $33.2M | $17.0M | $2.6M | 2.49% | 3.94% | 0.81% | 8,199 |
| Q3 2024 | $102.5M | $86.6M | $34.1M | $16.3M | $1.8M | 2.37% | 3.85% | 0.83% | 8,259 |
| Q2 2024 | $102.4M | $87.1M | $33.3M | $15.6M | $1.2M | 2.36% | 3.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.03% |
| 8,302 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $17.1M · securities $64.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 78.7% | 3th |
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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