| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.5 pts |
| Loan growth (YoY) | -10.0% | -2.4% | -7.7 pts |
| ROA | 1.97% | 0.60% | +1.4 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $2.2M | $2.6M | $1.5M | $18K | 1.97% | 7.01% | 5.31% | 590 |
| Q4 2025 | $3.7M | $2.2M | $2.9M | $1.5M | $49K | 1.30% | 6.37% | 6.08% | 589 |
| Q3 2025 | $3.8M | $2.2M | $3.0M | $1.5M | $43K | 1.53% | 6.53% | 4.82% | 593 |
| Q2 2025 | $3.7M | $2.1M | $2.9M | $1.5M | $62K | 3.39% | 8.48% | 1.57% | 586 |
| Q1 2025 | $3.5M | $2.0M | $2.9M | $1.5M | $15K | 1.67% | 5.92% | 5.42% | 766 |
| Q4 2024 | $3.5M | $2.0M | $2.5M | $1.5M | $73K | 2.10% | 6.92% | 6.15% | 725 |
| Q3 2024 | $3.5M | $2.0M | $2.5M | $1.5M | $53K | 2.03% | 6.91% | 2.32% | 567 |
| Q2 2024 | $3.9M | $2.3M | $2.5M | $1.4M | $31K | 1.61% | 5.94% | 0.50% | 557 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $401K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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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