| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +8.9% | +0.7% | +8.2 pts |
| Loan growth (YoY) | +12.8% | -2.4% | +15.2 pts |
| ROA | 1.58% | 0.60% | +1.0 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.8M | $2.2M | $1.3M | $555K | $11K | 1.58% | 1.69% | 0.00% | 363 |
| Q4 2025 | $2.8M | $2.2M | $1.3M | $544K | $41K | 1.49% | 1.84% | 0.00% | 485 |
| Q3 2025 | $2.6M | $2.1M | $1.3M | $535K | $39K | 2.01% | 1.97% | 0.00% | 356 |
| Q2 2025 | $2.6M | $2.1M | $1.1M | $528K | $32K | 2.46% | 1.98% | 0.00% | 355 |
| Q1 2025 | $2.5M | $2.0M | $1.2M | $506K | $10K | 1.63% | 2.10% | 0.00% | 349 |
| Q4 2024 | $2.5M | $2.0M | $1.1M | $496K | $45K | 1.80% | 2.59% | 0.00% | 458 |
| Q3 2024 | $2.5M | $2.0M | $1.2M | $497K | $46K | 2.49% | 2.73% | 0.00% | 452 |
| Q2 2024 | $2.5M | $2.0M | $975K | $487K | $36K | 2.95% | 2.81% | 0.00% | 443 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 81.5% | 3th |
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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