| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.4 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.4M | $11.9M | $9.1M | $1.5M | $32K | 0.95% | 4.03% | 0.51% | 1,251 |
| Q4 2025 | $13.3M | $11.8M | $8.7M | $1.5M | $89K | 0.67% | 3.57% | 0.69% | 1,254 |
| Q3 2025 | $12.7M | $11.2M | $8.8M | $1.4M | $68K | 0.72% | 3.80% | 0.40% | 1,258 |
| Q2 2025 | $12.7M | $11.3M | $9.0M | $1.4M | $21K | 0.33% | 3.69% | 0.55% | 1,280 |
| Q1 2025 | $12.6M | $11.2M | $9.1M | $1.4M | $-4K | -0.12% | 3.86% | 0.15% | 1,276 |
| Q4 2024 | $11.8M | $10.5M | $9.2M | $1.4M | $84K | 0.71% | 3.69% | 0.89% | 1,267 |
| Q3 2024 | $11.4M | $10.1M | $8.9M | $1.4M | $65K | 0.76% | 3.91% | 0.47% | 1,263 |
| Q2 2024 | $11.1M | $9.8M | $8.8M | $1.3M | $49K | 0.88% | 3.92% | 0.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,259 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.9M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 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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