| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -8.0% | -2.4% | -5.6 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.0M | $156K | $246K | $3K | 1.07% | 3.17% | 3.23% | 402 |
| Q4 2025 | $1.2M | $965K | $167K | $243K | $2K | 0.13% | 3.30% | 0.23% | 407 |
| Q3 2025 | $1.2M | $982K | $186K | $243K | $2K | 0.24% | 3.10% | 1.57% | 406 |
| Q2 2025 | $1.3M | $1.0M | $166K | $240K | $-830 | -0.13% | 2.67% | 3.15% | 411 |
| Q1 2025 | $1.3M | $1.0M | $169K | $238K | $-3K | -0.80% | 2.31% | 1.77% | 415 |
| Q4 2024 | $1.2M | $1.0M | $190K | $241K | $-4K | -0.35% | 3.49% | 3.34% | 417 |
| Q3 2024 | $1.4M | $1.1M | $207K | $240K | $-6K | -0.55% | 3.22% | 6.96% | 418 |
| Q2 2024 | $1.4M | $1.2M | $217K | $247K | $5K | 0.69% | 3.15% | 4.00% | 399 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $156K · securities $410K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 81.5% | 21th |
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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