| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.6 pts |
| Loan growth (YoY) | +6.9% | -2.4% | +9.3 pts |
| ROA | 0.29% | 0.60% | -0.3 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $1.8M | $436K | $500K | $2K | 0.29% | 1.46% | 0.00% | 101 |
| Q4 2025 | $2.4M | $1.9M | $432K | $498K | $3K | 0.14% | 1.16% | 0.00% | 103 |
| Q3 2025 | $2.2M | $1.7M | $353K | $497K | $3K | 0.15% | 1.26% | 0.00% | 103 |
| Q2 2025 | $2.2M | $1.7M | $339K | $497K | $2K | 0.20% | 1.37% | 0.00% | 100 |
| Q1 2025 | $2.2M | $1.7M | $408K | $496K | $954 | 0.17% | 1.40% | 0.00% | 99 |
| Q4 2024 | $2.2M | $1.7M | $468K | $495K | $9K | 0.40% | 1.43% | 0.00% | 100 |
| Q3 2024 | $2.1M | $1.6M | $483K | $495K | $8K | 0.53% | 1.63% | 0.00% | 100 |
| Q2 2024 | $2.1M | $1.6M | $459K | $491K | $5K | 0.47% | 1.59% | 0.00% | 100 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $316K · securities $1.6M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 81.5% | 46th |
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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