| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | +18.5% | -2.4% | +20.9 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.1M | $8.8M | $6.1M | $1.2M | $28K | 1.13% | 4.11% | 0.66% | 891 |
| Q4 2025 | $9.7M | $8.5M | $6.1M | $1.2M | $117K | 1.20% | 4.19% | 0.01% | 1,047 |
| Q3 2025 | $9.8M | $8.6M | $6.1M | $1.1M | $81K | 1.10% | 4.00% | 0.01% | 1,065 |
| Q2 2025 | $9.9M | $8.7M | $5.6M | $1.1M | $42K | 0.86% | 3.85% | 0.03% | 1,056 |
| Q1 2025 | $10.1M | $9.0M | $5.1M | $1.1M | $4K | 0.14% | 3.50% | 0.03% | 1,046 |
| Q4 2024 | $9.6M | $8.5M | $5.0M | $1.1M | $156K | 1.63% | 4.63% | 0.28% | 1,038 |
| Q3 2024 | $9.1M | $8.0M | $5.1M | $1.0M | $129K | 1.90% | 5.03% | 0.66% | 1,034 |
| Q2 2024 | $9.4M | $8.4M | $4.4M | $985K | $80K | 1.71% | 4.79% | 0.03% | 1,042 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $3.6M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 81.5% | 19th |
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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