| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +1.3% | -6.7 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.6 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.2 pts |
| ROA | -0.38% | 0.60% | -1.0 pts |
| ROE | -1.2% | 4.1% | -5.3 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.9M | $2.7M | $1.9M | $1.2M | $-4K | -0.38% | 3.58% | 2.03% | 690 |
| Q4 2025 | $4.0M | $2.7M | $1.9M | $1.3M | $-7K | -0.17% | 3.18% | 3.21% | 695 |
| Q3 2025 | $4.0M | $2.7M | $2.0M | $1.3M | $-5K | -0.18% | 3.16% | 2.83% | 700 |
| Q2 2025 | $4.0M | $2.8M | $2.1M | $1.3M | $-3K | -0.13% | 3.06% | 1.40% | 701 |
| Q1 2025 | $4.1M | $2.8M | $2.2M | $1.3M | $2K | 0.17% | 2.97% | 1.52% | 753 |
| Q4 2024 | $4.4M | $2.9M | $2.2M | $1.3M | $-22K | -0.50% | 2.25% | 0.91% | 784 |
| Q3 2024 | $4.6M | $3.1M | $2.4M | $1.3M | $-17K | -0.48% | 2.43% | 1.52% | 785 |
| Q2 2024 | $4.7M | $3.2M | $2.4M | $1.3M | $-12K | -0.51% | 2.31% | 1.20% | 784 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.38% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.7% | 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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