| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -6.7% | +0.7% | -7.3 pts |
| Loan growth (YoY) | -17.3% | -2.4% | -14.9 pts |
| ROA | -0.94% | 0.60% | -1.5 pts |
| ROE | -5.4% | 4.1% | -9.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.2M | $26.6M | $8.0M | $5.6M | $-75K | -0.94% | 0.25% | 1.25% | 2,435 |
| Q4 2025 | $31.3M | $25.9M | $8.4M | $5.4M | $369K | 1.18% | 2.47% | 2.59% | 2,434 |
| Q3 2025 | $31.6M | $26.3M | $8.6M | $5.3M | $295K | 1.24% | 2.56% | 2.35% | 2,440 |
| Q2 2025 | $32.3M | $27.1M | $9.1M | $5.1M | $95K | 0.59% | 1.81% | 0.09% | 2,456 |
| Q1 2025 | $33.5M | $28.5M | $9.7M | $5.0M | $-30K | -0.36% | 1.64% | 0.20% | 2,553 |
| Q4 2024 | $34.3M | $29.2M | $10.3M | $5.1M | $75K | 0.22% | 1.35% | 1.60% | 2,654 |
| Q3 2024 | $33.4M | $28.3M | $10.8M | $5.0M | $81K | 0.33% | 1.46% | 0.08% | 2,657 |
| Q2 2024 | $34.0M | $29.0M | $10.9M | $5.0M | $36K | 0.21% | 1.37% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.94% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.4% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,657 |
Loan mix (Q1 2026): real estate $1.1M · commercial $95K · consumer $6.5M · securities $17.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 440.4% | 81.5% | 100th |
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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