| Metric | N.E.W. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +3.9% | +8.0 pts |
| Share growth (YoY) | +11.7% | +3.3% | +8.4 pts |
| Loan growth (YoY) | +28.4% | +2.9% | +25.5 pts |
| ROA | 1.24% | 0.69% | +0.5 pts |
| ROE | 11.1% | 5.9% | +5.2 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172.1M | $151.0M | $106.7M | $19.2M | $534K | 1.24% | 3.96% | 0.52% | 12,194 |
| Q4 2025 | $165.2M | $144.4M | $102.3M | $18.6M | $1.8M | 1.11% | 3.67% | 0.45% | 12,204 |
| Q3 2025 | $158.3M | $138.0M | $99.3M | $18.2M | $1.3M | 1.10% | 3.80% | 0.46% | 12,187 |
| Q2 2025 | $156.8M | $137.0M | $89.1M | $17.8M | $907K | 1.16% | 3.77% | 0.43% | 12,151 |
| Q1 2025 | $153.8M | $135.3M | $83.1M | $17.3M | $429K | 1.12% | 3.61% | 0.21% | 12,107 |
| Q4 2024 | $151.0M | $132.1M | $80.3M | $16.9M | $1.5M | 0.99% | 3.39% | 0.18% | 12,075 |
| Q3 2024 | $150.1M | $132.4M | $77.7M | $16.4M | $1.0M | 0.91% | 3.46% | 0.31% | 12,127 |
| Q2 2024 | $149.1M | $131.5M | $76.5M | $16.1M | $671K | 0.90% | 3.38% |
| Ratio | N.E.W. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 12,098 |
Loan mix (Q1 2026): real estate $67.1M · commercial $0 · consumer $32.4M · securities $53.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 78.7% | 29th |
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 | N.E.W. 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 | N.E.W. 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 | N.E.W. 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 | N.E.W. 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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