| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +1.3% | -2.4% | +3.6 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.9M | $11.4M | $5.6M | $2.5M | $26K | 0.76% | 3.71% | 0.13% | 902 |
| Q4 2025 | $13.4M | $10.8M | $5.8M | $2.5M | $85K | 0.64% | 4.04% | 0.18% | 904 |
| Q3 2025 | $13.7M | $11.1M | $6.2M | $2.5M | $117K | 1.14% | 4.01% | 0.58% | 905 |
| Q2 2025 | $14.0M | $11.4M | $5.6M | $2.5M | $70K | 1.00% | 3.83% | 0.25% | 83 |
| Q1 2025 | $13.7M | $11.2M | $5.5M | $2.4M | $28K | 0.80% | 4.00% | 0.64% | 912 |
| Q4 2024 | $13.2M | $10.7M | $5.6M | $2.4M | $204K | 1.54% | 4.20% | 0.42% | 903 |
| Q3 2024 | $13.7M | $11.2M | $5.8M | $2.3M | $162K | 1.58% | 4.04% | 0.00% | 893 |
| Q2 2024 | $13.3M | $11.0M | $5.7M | $2.3M | $81K | 1.22% | 4.04% | 0.00% | 895 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.5M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th |
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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