| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +11.7% | +0.7% | +11.0 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.5 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.1M | $5.5M | $2.9M | $3.5M | $1K | 0.06% | 2.92% | 1.35% | 1,112 |
| Q4 2025 | $8.7M | $5.1M | $3.1M | $3.5M | $56K | 0.65% | 3.35% | 1.24% | 1,103 |
| Q3 2025 | $8.5M | $5.0M | $2.9M | $3.5M | $66K | 1.04% | 3.34% | 0.57% | 1,098 |
| Q2 2025 | $8.4M | $4.9M | $2.9M | $3.5M | $51K | 1.21% | 3.49% | 0.64% | 1,093 |
| Q1 2025 | $8.4M | $4.9M | $3.0M | $3.5M | $24K | 1.16% | 3.46% | 0.35% | 1,123 |
| Q4 2024 | $8.4M | $5.0M | $3.3M | $3.4M | $4K | 0.04% | 3.17% | 0.29% | 1,118 |
| Q3 2024 | $8.5M | $5.1M | $3.6M | $3.4M | $-26K | -0.41% | 3.05% | 0.60% | 1,109 |
| Q2 2024 | $8.4M | $5.0M | $3.8M | $3.4M | $-51K | -1.20% | 2.95% | 0.31% | 1,137 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 81.5% | 32th |
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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