| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.1% | +1.3% | +27.8 pts |
| Share growth (YoY) | +33.1% | +0.7% | +32.5 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.1 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.2M | $13.4M | $7.4M | $1.7M | $19K | 0.50% | 2.70% | 0.05% | 984 |
| Q4 2025 | $14.4M | $12.7M | $7.0M | $1.7M | $112K | 0.78% | 2.92% | 0.13% | 972 |
| Q3 2025 | $14.0M | $12.3M | $7.1M | $1.7M | $78K | 0.74% | 2.99% | 0.00% | 975 |
| Q2 2025 | $12.9M | $11.2M | $7.2M | $1.7M | $58K | 0.90% | 3.20% | 0.00% | 974 |
| Q1 2025 | $11.8M | $10.1M | $7.2M | $1.6M | $23K | 0.77% | 3.46% | 0.00% | 983 |
| Q4 2024 | $11.4M | $9.6M | $7.1M | $1.6M | $101K | 0.89% | 3.58% | 0.09% | 984 |
| Q3 2024 | $11.3M | $9.6M | $6.9M | $1.6M | $74K | 0.88% | 3.59% | 0.00% | 986 |
| Q2 2024 | $11.4M | $9.9M | $6.8M | $1.6M | $45K | 0.79% | 3.50% | 0.00% | 984 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $674K · commercial $0 · consumer $6.6M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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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