| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | -3.0% | +2.9% | -5.9 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 8.0% | 5.9% | +2.0 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $183.8M | $158.7M | $79.7M | $22.8M | $453K | 0.99% | 4.37% | 0.91% | 16,977 |
| Q4 2025 | $176.5M | $152.2M | $80.8M | $22.7M | $3.0M | 1.69% | 5.06% | 1.23% | 17,162 |
| Q3 2025 | $171.9M | $148.5M | $81.2M | $21.7M | $2.0M | 1.52% | 4.91% | 1.14% | 17,631 |
| Q2 2025 | $172.1M | $149.1M | $81.0M | $21.1M | $1.4M | 1.57% | 4.90% | 1.34% | 17,576 |
| Q1 2025 | $176.1M | $153.6M | $82.1M | $20.5M | $714K | 1.62% | 4.75% | 1.25% | 17,511 |
| Q4 2024 | $170.6M | $149.8M | $83.2M | $19.7M | $2.1M | 1.23% | 4.83% | 0.92% | 17,718 |
| Q3 2024 | $167.5M | $147.5M | $85.6M | $19.1M | $1.5M | 1.18% | 4.90% | 1.17% | 17,754 |
| Q2 2024 | $172.4M | $151.9M | $84.7M | $18.8M | $1.1M | 1.30% | 4.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.31% |
| 17,723 |
Loan mix (Q1 2026): real estate $28.1M · commercial $0 · consumer $49.6M · securities $80.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 78.7% | 33th |
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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