| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.2% | +1.3% | +14.9 pts |
| Share growth (YoY) | +16.8% | +0.7% | +16.1 pts |
| Loan growth (YoY) | +8.2% | -2.4% | +10.6 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.2M | $57.7M | $35.1M | $5.3M | $91K | 0.57% | 3.68% | 0.34% | 3,983 |
| Q4 2025 | $61.6M | $56.2M | $34.7M | $5.2M | $472K | 0.77% | 3.51% | 0.47% | 3,927 |
| Q3 2025 | $60.5M | $55.5M | $33.8M | $5.1M | $375K | 0.83% | 3.46% | 0.42% | 3,877 |
| Q2 2025 | $56.8M | $51.7M | $33.6M | $5.0M | $275K | 0.97% | 3.43% | 0.99% | 3,856 |
| Q1 2025 | $54.4M | $49.5M | $32.4M | $4.9M | $164K | 1.21% | 3.42% | 0.62% | 3,780 |
| Q4 2024 | $52.5M | $47.7M | $29.6M | $4.8M | $473K | 0.90% | 3.51% | 0.78% | 3,722 |
| Q3 2024 | $51.9M | $47.2M | $29.1M | $4.7M | $356K | 0.91% | 3.52% | 0.60% | 3,690 |
| Q2 2024 | $51.7M | $47.0M | $29.0M | $4.6M | $292K | 1.13% | 3.54% | 0.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,653 |
Loan mix (Q1 2026): real estate $12.7M · commercial $0 · consumer $20.7M · securities $19.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 81.5% | 67th |
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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