| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -8.6% | -2.4% | -6.2 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.1M | $38.3M | $7.3M | $8.1M | $30K | 0.25% | 3.49% | 2.15% | 5,431 |
| Q4 2025 | $44.5M | $36.4M | $7.3M | $8.1M | $92K | 0.21% | 3.67% | 2.86% | 5,532 |
| Q3 2025 | $46.4M | $38.3M | $7.4M | $8.0M | $61K | 0.18% | 3.49% | 2.31% | 5,639 |
| Q2 2025 | $47.3M | $38.8M | $7.7M | $8.0M | $5K | 0.02% | 3.27% | 2.40% | 5,757 |
| Q1 2025 | $46.8M | $38.7M | $8.0M | $8.0M | $-14K | -0.12% | 3.17% | 2.74% | 5,852 |
| Q4 2024 | $44.7M | $36.6M | $8.7M | $8.0M | $161K | 0.36% | 3.23% | 4.30% | 5,949 |
| Q3 2024 | $46.9M | $38.6M | $8.9M | $8.0M | $139K | 0.40% | 3.06% | 5.09% | 6,031 |
| Q2 2024 | $47.8M | $39.6M | $9.4M | $7.9M | $87K | 0.36% | 2.99% | 3.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,128 |
Loan mix (Q1 2026): real estate $147K · commercial $0 · consumer $7.1M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 81.5% | 67th |
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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