| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -8.3% | +0.7% | -9.0 pts |
| Loan growth (YoY) | -13.7% | -2.4% | -11.3 pts |
| ROA | 1.88% | 0.60% | +1.3 pts |
| ROE | 7.9% | 4.1% | +3.8 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 | $2.0M | $1.5M | $332K | $470K | $9K | 1.88% | 3.77% | 0.00% | 86 |
| Q4 2025 | $2.0M | $1.5M | $354K | $453K | $11K | 0.58% | 3.09% | 0.00% | 100 |
| Q3 2025 | $2.0M | $1.5M | $385K | $450K | $9K | 0.60% | 2.74% | 0.00% | 102 |
| Q2 2025 | $2.0M | $1.6M | $408K | $453K | $12K | 1.14% | 3.38% | 0.00% | 100 |
| Q1 2025 | $2.1M | $1.6M | $385K | $453K | $11K | 2.14% | 4.56% | 0.00% | 107 |
| Q4 2024 | $2.1M | $1.7M | $400K | $442K | $-61K | -2.88% | -0.74% | 0.00% | 92 |
| Q3 2024 | $2.2M | $1.8M | $443K | $453K | $-51K | -3.07% | -0.79% | 0.00% | 99 |
| Q2 2024 | $2.3M | $1.8M | $480K | $465K | $-39K | -3.42% | -0.98% | 0.00% | 99 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $151K · commercial $0 · consumer $181K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 81.5% | 5th |
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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