| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -5.6% | +0.7% | -6.3 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.1 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.1M | $5.2M | $2.5M | $1.8M | $14K | 0.80% | 4.48% | 1.32% | 758 |
| Q4 2025 | $7.3M | $5.3M | $2.7M | $1.8M | $97K | 1.32% | 4.40% | 1.64% | 761 |
| Q3 2025 | $7.3M | $5.4M | $2.4M | $1.8M | $78K | 1.43% | 4.38% | 0.26% | 761 |
| Q2 2025 | $7.4M | $5.6M | $2.5M | $1.8M | $47K | 1.27% | 4.12% | 0.51% | 795 |
| Q1 2025 | $7.3M | $5.5M | $2.5M | $1.8M | $17K | 0.94% | 3.91% | 0.62% | 788 |
| Q4 2024 | $7.2M | $5.5M | $2.6M | $1.7M | $46K | 0.64% | 3.63% | 0.37% | 785 |
| Q3 2024 | $7.3M | $5.6M | $2.4M | $1.7M | $32K | 0.59% | 3.38% | 0.13% | 776 |
| Q2 2024 | $7.4M | $5.7M | $2.4M | $1.7M | $17K | 0.45% | 3.25% | 0.85% | 777 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 81.5% | 51th |
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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