| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | +0.3% | -2.4% | +2.6 pts |
| ROA | -0.31% | 0.60% | -0.9 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.9M | $3.0M | $2.6M | $870K | $-3K | -0.31% | 3.82% | 0.00% | 698 |
| Q4 2025 | $3.7M | $2.9M | $2.4M | $873K | $29K | 0.77% | 4.32% | 0.00% | 690 |
| Q3 2025 | $3.8M | $2.9M | $2.5M | $880K | $36K | 1.27% | 4.33% | 0.00% | 691 |
| Q2 2025 | $4.1M | $3.2M | $2.7M | $868K | $24K | 1.18% | 3.92% | 0.00% | 689 |
| Q1 2025 | $3.8M | $3.0M | $2.6M | $864K | $19K | 2.02% | 4.02% | 0.00% | 688 |
| Q4 2024 | $3.7M | $2.9M | $2.5M | $844K | $2K | 0.06% | 4.32% | 0.00% | 690 |
| Q3 2024 | $3.8M | $2.9M | $2.6M | $854K | $12K | 0.43% | 4.39% | 1.25% | 695 |
| Q2 2024 | $3.8M | $2.9M | $2.8M | $850K | $8K | 0.42% | 4.40% | 0.00% | 698 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $873K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.31% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.4% | 81.5% | 87th |
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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