| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 4.7% | 4.1% | +0.6 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 | $8.6M | $7.5M | $2.7M | $1.0M | $12K | 0.56% | 3.28% | 3.11% | 841 |
| Q4 2025 | $8.7M | $7.6M | $2.8M | $1.0M | $81K | 0.94% | 3.22% | 1.94% | 853 |
| Q3 2025 | $8.7M | $7.7M | $2.7M | $985K | $70K | 1.07% | 3.08% | 1.69% | 851 |
| Q2 2025 | $8.8M | $7.8M | $2.9M | $961K | $33K | 0.75% | 3.00% | 1.14% | 864 |
| Q1 2025 | $8.5M | $7.5M | $2.9M | $937K | $9K | 0.44% | 3.06% | 1.88% | 860 |
| Q4 2024 | $8.6M | $7.6M | $3.0M | $928K | $69K | 0.81% | 3.24% | 0.18% | 865 |
| Q3 2024 | $8.6M | $7.6M | $3.2M | $915K | $57K | 0.87% | 3.23% | 0.70% | 872 |
| Q2 2024 | $8.9M | $7.9M | $3.2M | $896K | $38K | 0.85% | 3.09% | 0.55% | 881 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $5.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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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