| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | -7.9% | -2.4% | -5.6 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.5M | $9.0M | $4.6M | $2.4M | $6K | 0.22% | 3.44% | 5.20% | 1,734 |
| Q4 2025 | $11.6M | $9.1M | $4.7M | $2.4M | $22K | 0.19% | 3.70% | 3.66% | 1,736 |
| Q3 2025 | $11.4M | $8.9M | $4.9M | $2.3M | $5K | 0.06% | 3.72% | 5.39% | 1,740 |
| Q2 2025 | $11.5M | $8.9M | $5.0M | $2.4M | $28K | 0.49% | 3.72% | 4.80% | 1,746 |
| Q1 2025 | $11.4M | $8.9M | $5.0M | $2.4M | $16K | 0.56% | 3.83% | 5.09% | 1,741 |
| Q4 2024 | $11.3M | $8.8M | $4.9M | $2.3M | $81K | 0.72% | 4.23% | 1.82% | 1,744 |
| Q3 2024 | $10.7M | $8.3M | $4.8M | $2.3M | $54K | 0.68% | 4.51% | 3.65% | 1,756 |
| Q2 2024 | $10.4M | $8.1M | $4.9M | $2.3M | $14K | 0.27% | 4.52% | 1.35% | 1,760 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $268K · commercial $0 · consumer $3.8M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 81.5% | 77th |
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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