| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.8 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 12.8% | 4.1% | +8.7 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.3M | $3.9M | $2.1M | $425K | $14K | 1.26% | 3.73% | 2.31% | 442 |
| Q4 2025 | $4.2M | $3.9M | $2.2M | $390K | $57K | 1.36% | 3.71% | 2.24% | 438 |
| Q3 2025 | $4.1M | $3.8M | $2.2M | $411K | $56K | 1.82% | 3.93% | 1.58% | 441 |
| Q2 2025 | $4.4M | $4.1M | $2.1M | $406K | $52K | 2.33% | 3.71% | 2.36% | 445 |
| Q1 2025 | $4.3M | $4.0M | $2.1M | $395K | $41K | 3.74% | 3.94% | 2.38% | 447 |
| Q4 2024 | $4.2M | $3.9M | $2.1M | $351K | $29K | 0.69% | 3.62% | 3.54% | 459 |
| Q3 2024 | $4.2M | $3.9M | $2.1M | $346K | $24K | 0.77% | 3.78% | 3.16% | 460 |
| Q2 2024 | $4.1M | $3.8M | $2.2M | $340K | $19K | 0.92% | 4.14% | 3.59% | 461 |
| Ratio | Muw Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 81.5% | 73th |
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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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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