| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +1.3% | -5.9 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.7 pts |
| Loan growth (YoY) | -22.3% | -2.4% | -19.9 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.3M | $1.7M | $701K | $2K | 0.26% | 4.97% | 1.06% | 536 |
| Q4 2025 | $3.1M | $2.4M | $1.7M | $699K | $3K | 0.10% | 5.22% | 1.13% | 542 |
| Q3 2025 | $3.1M | $2.4M | $1.9M | $696K | $66 | 0.00% | 5.31% | 0.89% | 547 |
| Q2 2025 | $3.0M | $2.3M | $2.0M | $693K | $-4K | -0.23% | 5.37% | 0.15% | 552 |
| Q1 2025 | $3.1M | $2.4M | $2.1M | $698K | $1K | 0.17% | 5.15% | 1.07% | 554 |
| Q4 2024 | $3.1M | $2.4M | $2.1M | $696K | $-374 | -0.01% | 5.42% | 2.60% | 551 |
| Q3 2024 | $3.2M | $2.5M | $2.2M | $692K | $-4K | -0.18% | 5.27% | 1.11% | 556 |
| Q2 2024 | $3.2M | $2.5M | $2.3M | $692K | $-4K | -0.27% | 5.31% | 0.05% | 560 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $89K · commercial $0 · consumer $1.4M · securities $601K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 81.5% | 78th |
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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