| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +10.9% | -2.4% | +13.3 pts |
| ROA | 1.90% | 0.60% | +1.3 pts |
| ROE | 13.5% | 4.1% | +9.4 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.9M | $9.4M | $5.5M | $1.5M | $52K | 1.90% | 4.44% | 0.06% | 1,330 |
| Q4 2025 | $10.7M | $9.2M | $5.6M | $1.5M | $255K | 2.39% | 4.75% | 0.66% | 1,336 |
| Q3 2025 | $10.6M | $9.2M | $5.3M | $1.4M | $203K | 2.54% | 4.77% | 0.38% | 1,333 |
| Q2 2025 | $10.5M | $9.1M | $5.2M | $1.4M | $129K | 2.46% | 4.76% | 0.52% | 1,321 |
| Q1 2025 | $10.5M | $9.2M | $4.9M | $1.3M | $62K | 2.37% | 4.71% | 0.05% | 1,320 |
| Q4 2024 | $10.1M | $8.9M | $5.1M | $1.2M | $306K | 3.02% | 5.01% | 0.34% | 1,308 |
| Q3 2024 | $10.2M | $9.1M | $5.2M | $1.1M | $232K | 3.03% | 4.97% | 0.07% | 1,296 |
| Q2 2024 | $10.1M | $9.0M | $4.9M | $1.1M | $145K | 2.88% | 5.02% | 0.07% | 1,287 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 81.5% | 16th |
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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