| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | 0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | 0.0% | -2.4% | +2.4 pts |
| ROA | 2.03% | 0.60% | +1.4 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.8M | $1.3M | $1.0M | $1.5M | $14K | 2.03% | 3.64% | 1.17% | 256 |
| Q4 2025 | $2.8M | $1.3M | $984K | $1.5M | $41K | 1.47% | 3.07% | 0.47% | 256 |
| Q3 2025 | $2.7M | $1.2M | $1.0M | $1.5M | $28K | 1.38% | 3.16% | 0.25% | 252 |
| Q2 2025 | $2.8M | $1.2M | $1.0M | $1.5M | $19K | 1.40% | 3.24% | 0.95% | 253 |
| Q1 2025 | $2.8M | $1.3M | $1.0M | $1.5M | $14K | 2.03% | 3.64% | 1.17% | 256 |
| Q4 2024 | $2.8M | $1.3M | $984K | $1.5M | $41K | 1.47% | 3.07% | 0.47% | 256 |
| Q3 2024 | $2.8M | $1.3M | $980K | $1.5M | $35K | 1.67% | 3.24% | 0.06% | 255 |
| Q2 2024 | $2.8M | $1.3M | $889K | $1.5M | $22K | 1.58% | 3.01% | 0.18% | 257 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $851K · commercial $0 · consumer $83K · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 81.5% | 6th |
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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