| Metric | Lamoure Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.3 pts |
| Loan growth (YoY) | +3.5% | -2.4% | +5.9 pts |
| ROA | 1.55% | 0.60% | +0.9 pts |
| ROE | 8.8% | 4.1% | +4.7 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.6M | $33.3M | $17.0M | $7.2M | $157K | 1.55% | 3.28% | 0.00% | 1,122 |
| Q4 2025 | $39.9M | $32.9M | $17.9M | $7.0M | $735K | 1.84% | 3.54% | 0.00% | 1,119 |
| Q3 2025 | $36.9M | $29.9M | $17.6M | $6.9M | $608K | 2.20% | 3.84% | 0.00% | 1,123 |
| Q2 2025 | $36.6M | $29.9M | $17.2M | $6.7M | $406K | 2.22% | 3.82% | 0.00% | 1,127 |
| Q1 2025 | $38.0M | $31.5M | $16.5M | $6.5M | $197K | 2.08% | 3.63% | 0.00% | 1,133 |
| Q4 2024 | $37.9M | $31.6M | $17.2M | $6.3M | $970K | 2.56% | 3.97% | 0.00% | 1,138 |
| Q3 2024 | $34.6M | $28.5M | $17.4M | $6.1M | $813K | 3.13% | 4.34% | 0.15% | 1,144 |
| Q2 2024 | $34.6M | $28.6M | $17.0M | $5.9M | $591K | 3.42% | 4.36% | 0.00% |
| Ratio | Lamoure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,143 |
Loan mix (Q1 2026): real estate $101K · commercial $11.7M · consumer $4.1M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 81.5% | 8th |
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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.