| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.2% | +1.3% | +13.9 pts |
| Share growth (YoY) | +17.1% | +0.7% | +16.4 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.6 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.2M | $30.8M | $913K | $3.4M | $18K | 0.22% | 0.96% | 0.00% | 869 |
| Q4 2025 | $32.8M | $29.4M | $1.0M | $3.4M | $5K | 0.02% | 0.70% | 0.00% | 873 |
| Q3 2025 | $30.8M | $27.4M | $933K | $3.5M | $113K | 0.49% | 1.21% | 0.70% | 873 |
| Q2 2025 | $30.3M | $26.8M | $989K | $3.4M | $68K | 0.45% | 1.22% | 0.53% | 901 |
| Q1 2025 | $29.7M | $26.3M | $961K | $3.4M | $26K | 0.35% | 1.23% | 0.00% | 904 |
| Q4 2024 | $29.6M | $26.2M | $951K | $3.3M | $2K | 0.01% | 0.70% | 0.00% | 905 |
| Q3 2024 | $29.3M | $25.7M | $1.0M | $3.6M | $235K | 1.07% | 1.73% | 0.00% | 907 |
| Q2 2024 | $29.4M | $25.9M | $849K | $3.5M | $168K | 1.14% | 1.81% | 1.27% | 920 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $670K · securities $32.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 81.5% | 40th |
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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