| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.3 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.1M | $23.8M | $22.5M | $2.2M | $43K | 0.67% | 4.64% | 0.54% | 2,429 |
| Q4 2025 | $26.4M | $24.1M | $23.4M | $2.1M | $-32K | -0.12% | 4.47% | 1.80% | 2,446 |
| Q3 2025 | $26.3M | $24.0M | $23.3M | $2.1M | $-49K | -0.25% | 4.34% | 2.90% | 2,502 |
| Q2 2025 | $27.3M | $25.0M | $23.7M | $2.2M | $-5K | -0.04% | 4.14% | 3.17% | 2,516 |
| Q1 2025 | $27.5M | $25.1M | $24.0M | $2.2M | $-13K | -0.19% | 4.01% | 1.55% | 2,540 |
| Q4 2024 | $27.7M | $25.3M | $24.2M | $2.2M | $-85K | -0.31% | 3.71% | 0.34% | 2,572 |
| Q3 2024 | $28.4M | $25.9M | $24.4M | $2.2M | $-94K | -0.44% | 3.59% | 4.26% | 2,592 |
| Q2 2024 | $28.1M | $25.6M | $25.3M | $2.2M | $-48K | -0.34% | 3.64% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,602 |
Loan mix (Q1 2026): real estate $15.6M · commercial $331K · consumer $6.0M · securities $145K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 81.5% | 43th |
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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