| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.3% | +1.3% | -12.6 pts |
| Share growth (YoY) | -12.1% | +0.7% | -12.8 pts |
| Loan growth (YoY) | -13.4% | -2.4% | -11.1 pts |
| ROA | -0.51% | 0.60% | -1.1 pts |
| ROE | -6.4% | 4.1% | -10.5 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $13.6M | $7.4M | $1.2M | $-19K | -0.51% | 3.47% | 1.59% | 1,239 |
| Q4 2025 | $14.5M | $13.3M | $7.6M | $1.2M | $-5K | -0.03% | 3.84% | 2.25% | 1,243 |
| Q3 2025 | $15.3M | $14.0M | $7.8M | $1.2M | $5K | 0.04% | 3.73% | 2.72% | 1,272 |
| Q2 2025 | $15.0M | $13.8M | $8.2M | $1.2M | $7K | 0.09% | 3.83% | 3.08% | 1,282 |
| Q1 2025 | $16.7M | $15.5M | $8.5M | $1.2M | $2K | 0.06% | 3.44% | 0.88% | 1,304 |
| Q4 2024 | $15.2M | $14.1M | $8.8M | $1.2M | $25K | 0.17% | 3.77% | 2.93% | 1,306 |
| Q3 2024 | $15.6M | $14.3M | $9.0M | $1.2M | $57K | 0.48% | 3.69% | 1.02% | 1,359 |
| Q2 2024 | $15.0M | $13.7M | $9.1M | $1.2M | $51K | 0.68% | 3.83% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.51% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -6.4% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,359 |
Loan mix (Q1 2026): real estate $3.4M · commercial $0 · consumer $3.9M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.0% | 81.5% | 90th |
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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