| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +3.9% | +9.6 pts |
| Share growth (YoY) | +13.5% | +3.3% | +10.2 pts |
| Loan growth (YoY) | +15.2% | +2.9% | +12.3 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 4.2% | 5.9% | -1.7 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $241.4M | $209.2M | $195.6M | $18.9M | $200K | 0.33% | 3.89% | 1.16% | 15,866 |
| Q4 2025 | $237.5M | $197.6M | $191.4M | $18.7M | $1.3M | 0.54% | 3.92% | 1.50% | 15,949 |
| Q3 2025 | $229.1M | $192.3M | $185.6M | $18.3M | $837K | 0.49% | 4.00% | 1.23% | 16,053 |
| Q2 2025 | $220.0M | $191.0M | $176.1M | $17.9M | $344K | 0.31% | 4.03% | 1.65% | 16,142 |
| Q1 2025 | $212.6M | $184.3M | $169.8M | $17.6M | $77K | 0.14% | 4.01% | 1.86% | 16,234 |
| Q4 2024 | $209.2M | $181.6M | $169.6M | $17.6M | $266K | 0.13% | 3.82% | 2.16% | 16,406 |
| Q3 2024 | $209.7M | $184.8M | $168.7M | $17.4M | $69K | 0.04% | 3.76% | 2.07% | 16,604 |
| Q2 2024 | $211.2M | $186.6M | $168.2M | $17.4M | $11K | 0.01% | 3.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.86% |
| 16,819 |
Loan mix (Q1 2026): real estate $115.5M · commercial $11.0M · consumer $53.4M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 78.7% | 80th |
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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