| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -7.5% | +0.7% | -8.2 pts |
| Loan growth (YoY) | -8.3% | -2.4% | -5.9 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -1.5% | 4.1% | -5.6 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $5.1M | $3.1M | $607K | $-2K | -0.16% | 3.93% | 0.00% | 904 |
| Q4 2025 | $5.8M | $5.2M | $3.2M | $609K | $43K | 0.74% | 4.08% | 0.00% | 906 |
| Q3 2025 | $6.1M | $5.5M | $3.3M | $597K | $31K | 0.66% | 3.80% | 0.00% | 909 |
| Q2 2025 | $6.2M | $5.6M | $3.2M | $582K | $16K | 0.50% | 3.73% | 0.07% | 900 |
| Q1 2025 | $6.1M | $5.6M | $3.4M | $570K | $3K | 0.22% | 3.71% | 0.10% | 919 |
| Q4 2024 | $6.1M | $5.6M | $3.4M | $567K | $11K | 0.17% | 3.32% | 0.10% | 941 |
| Q3 2024 | $6.3M | $5.8M | $3.3M | $564K | $8K | 0.18% | 3.13% | 0.14% | 933 |
| Q2 2024 | $6.6M | $6.1M | $3.3M | $553K | $-3K | -0.08% | 2.84% | 0.01% | 901 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.4% | 81.5% | 87th |
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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