| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.3 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | -0.74% | 0.60% | -1.3 pts |
| ROE | -6.9% | 4.1% | -11.0 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.1M | $8.9M | $4.9M | $1.1M | $-19K | -0.74% | 3.42% | 0.54% | 1,146 |
| Q4 2025 | $10.1M | $8.9M | $4.9M | $1.1M | $-194K | -1.92% | 3.04% | 2.05% | 1,156 |
| Q3 2025 | $10.1M | $9.0M | $4.9M | $1.1M | $-209K | -2.76% | 2.93% | 1.24% | 1,149 |
| Q2 2025 | $10.3M | $9.1M | $4.9M | $1.2M | $-120K | -2.33% | 2.69% | 1.41% | 1,153 |
| Q1 2025 | $10.6M | $9.2M | $5.0M | $1.2M | $-83K | -3.12% | 2.40% | 0.62% | 1,198 |
| Q4 2024 | $10.5M | $9.2M | $5.2M | $1.3M | $-300K | -2.84% | 2.00% | 0.14% | 1,198 |
| Q3 2024 | $10.5M | $9.2M | $5.0M | $1.4M | $-230K | -2.91% | 1.88% | 0.21% | 1,201 |
| Q2 2024 | $10.5M | $9.0M | $4.9M | $1.4M | $-206K | -3.95% | 1.57% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.74% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -6.9% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,196 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $2.3M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.9% | 81.5% | 94th |
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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