| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -22.5% | -2.4% | -20.1 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $2.3M | $1.8M | $1.0M | $6K | 0.76% | 4.94% | 0.00% | 529 |
| Q4 2025 | $3.2M | $2.2M | $1.8M | $999K | $32K | 0.99% | 5.87% | 0.00% | 531 |
| Q3 2025 | $3.3M | $2.3M | $2.0M | $996K | $28K | 1.15% | 5.90% | 0.00% | 530 |
| Q2 2025 | $3.3M | $2.3M | $2.1M | $988K | $21K | 1.28% | 6.06% | 0.00% | 527 |
| Q1 2025 | $3.3M | $2.3M | $2.3M | $976K | $8K | 1.04% | 5.60% | 1.63% | 529 |
| Q4 2024 | $3.3M | $2.3M | $2.5M | $967K | $50K | 1.52% | 5.86% | 1.30% | 530 |
| Q3 2024 | $3.3M | $2.4M | $2.4M | $966K | $49K | 1.97% | 5.83% | 2.54% | 532 |
| Q2 2024 | $3.4M | $2.4M | $2.5M | $953K | $31K | 1.82% | 5.73% | 3.42% | 533 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $243K
| Ratio | Lee County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 81.5% | 58th |
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 | Lee County 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 | Lee County 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 | Lee County 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 | Lee County 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% |
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