| Metric | Nce Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.2 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.9M | $4.6M | $2.4M | $1.2M | $5K | 0.31% | 4.26% | 1.09% | 1,326 |
| Q4 2025 | $5.8M | $4.5M | $2.6M | $1.2M | $28K | 0.48% | 4.53% | 2.68% | 1,338 |
| Q3 2025 | $5.9M | $4.6M | $2.8M | $1.2M | $41K | 0.94% | 4.55% | 1.85% | 1,349 |
| Q2 2025 | $5.8M | $4.6M | $2.9M | $1.2M | $-6K | -0.19% | 4.43% | 3.63% | 1,351 |
| Q1 2025 | $5.8M | $4.6M | $2.8M | $1.2M | $3K | 0.19% | 4.36% | 3.75% | 1,365 |
| Q4 2024 | $5.6M | $4.4M | $2.9M | $1.2M | $18K | 0.33% | 4.65% | 3.50% | 1,382 |
| Q3 2024 | $5.6M | $4.3M | $2.8M | $1.2M | $16K | 0.40% | 4.66% | 4.80% | 1,391 |
| Q2 2024 | $5.6M | $4.3M | $2.9M | $1.2M | $22K | 0.80% | 4.67% | 2.52% | 1,400 |
| Ratio | Nce Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.9% | 81.5% | 83th |
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 | Nce 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 | Nce 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 | Nce 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 | Nce 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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