| Metric | Linxus Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.6% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.2 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 6.7% | 4.1% | +2.5 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 | $18.0M | $15.1M | $6.3M | $2.8M | $46K | 1.03% | 4.50% | 0.02% | 2,171 |
| Q4 2025 | $17.9M | $15.1M | $6.4M | $2.7M | $45K | 0.25% | 3.72% | 0.02% | 2,186 |
| Q3 2025 | $17.6M | $14.7M | $6.7M | $2.9M | $166K | 1.26% | 4.66% | 0.42% | 2,190 |
| Q2 2025 | $17.4M | $14.5M | $7.0M | $2.8M | $109K | 1.25% | 4.51% | 0.44% | 2,202 |
| Q1 2025 | $17.7M | $14.9M | $7.2M | $2.8M | $59K | 1.33% | 4.40% | 0.59% | 2,195 |
| Q4 2024 | $17.5M | $14.8M | $7.2M | $2.7M | $33K | 0.19% | 3.60% | 0.49% | 2,202 |
| Q3 2024 | $17.1M | $14.2M | $7.2M | $2.9M | $242K | 1.88% | 5.10% | 0.50% | 2,208 |
| Q2 2024 | $17.5M | $14.7M | $7.3M | $2.8M | $161K | 1.84% | 4.92% | 0.59% |
| Ratio | Linxus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,214 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 81.5% | 42th |
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 | Linxus 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 | Linxus 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 | Linxus 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 | Linxus 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% |
The full ratio pack is part of CharterBench Pro.