| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.7% | +1.3% | -10.0 pts |
| Share growth (YoY) | -11.8% | +0.7% | -12.4 pts |
| Loan growth (YoY) | -8.3% | -2.4% | -6.0 pts |
| ROA | 0.52% | 0.60% | -0.1 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $4.1M | $1.3M | $1.3M | $7K | 0.52% | 3.67% | 0.00% | 411 |
| Q4 2025 | $5.5M | $4.2M | $1.4M | $1.3M | $18K | 0.33% | 3.42% | 0.00% | 408 |
| Q3 2025 | $5.5M | $4.1M | $1.4M | $1.3M | $15K | 0.36% | 3.37% | 0.00% | 410 |
| Q2 2025 | $5.7M | $4.4M | $1.5M | $1.3M | $8K | 0.27% | 3.22% | 0.00% | 408 |
| Q1 2025 | $5.9M | $4.6M | $1.4M | $1.3M | $3K | 0.23% | 3.02% | 0.00% | 408 |
| Q4 2024 | $5.7M | $4.4M | $1.3M | $1.3M | $25K | 0.43% | 3.17% | 0.00% | 410 |
| Q3 2024 | $5.8M | $4.5M | $1.3M | $1.3M | $22K | 0.51% | 3.09% | 0.02% | 411 |
| Q2 2024 | $5.7M | $4.4M | $1.2M | $1.3M | $12K | 0.40% | 3.15% | 0.00% | 411 |
Loan mix (Q1 2026): real estate $111K · commercial $0 · consumer $849K · securities $3.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 81.5% | 64th |
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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