| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.3% | +0.7% | -1.9 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.6 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.7M | $9.4M | $4.3M | $1.3M | $12K | 0.44% | 3.21% | 0.00% | 600 |
| Q4 2025 | $10.7M | $9.4M | $4.4M | $1.2M | $65K | 0.61% | 3.29% | 0.00% | 612 |
| Q3 2025 | $10.7M | $9.4M | $4.5M | $1.2M | $56K | 0.70% | 3.29% | 0.00% | 612 |
| Q2 2025 | $10.9M | $9.6M | $4.6M | $1.2M | $37K | 0.69% | 3.23% | 0.00% | 609 |
| Q1 2025 | $10.7M | $9.5M | $4.4M | $1.2M | $15K | 0.56% | 3.23% | 0.06% | 618 |
| Q4 2024 | $10.6M | $9.4M | $4.6M | $1.2M | $78K | 0.73% | 3.19% | 0.07% | 612 |
| Q3 2024 | $10.3M | $9.2M | $4.8M | $1.2M | $59K | 0.76% | 3.20% | 0.03% | 609 |
| Q2 2024 | $10.5M | $9.3M | $4.8M | $1.1M | $43K | 0.82% | 3.06% | 0.04% | 609 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $37K · commercial $0 · consumer $4.0M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 81.5% | 62th |
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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