| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.6% | +0.7% | -4.3 pts |
| Loan growth (YoY) | -14.4% | -2.4% | -12.1 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 | $23.0M | $20.4M | $11.1M | $2.8M | $32K | 0.56% | 3.94% | 0.17% | 3,125 |
| Q4 2025 | $22.6M | $20.3M | $11.7M | $2.7M | $271K | 1.20% | 4.11% | 0.46% | 3,221 |
| Q3 2025 | $23.2M | $20.6M | $12.0M | $2.7M | $240K | 1.38% | 3.96% | 0.11% | 3,221 |
| Q2 2025 | $24.2M | $21.9M | $12.3M | $2.5M | $78K | 0.64% | 3.67% | 0.08% | 3,253 |
| Q1 2025 | $23.4M | $21.2M | $12.9M | $2.4M | $-10K | -0.18% | 3.59% | 0.09% | 3,248 |
| Q4 2024 | $22.1M | $20.1M | $13.3M | $2.5M | $28K | 0.13% | 4.09% | 0.07% | 3,248 |
| Q3 2024 | $21.2M | $19.2M | $14.0M | $2.4M | $-7K | -0.04% | 4.34% | 0.10% | 3,268 |
| Q2 2024 | $22.0M | $19.7M | $14.5M | $2.4M | $-28K | -0.25% | 4.30% | 0.17% |
| 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 | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,264 |
Loan mix (Q1 2026): real estate $53K · commercial $0 · consumer $9.7M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 81.5% | 76th |
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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