| Metric | Nikkei Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.2 pts |
| ROA | 0.11% | 0.60% | -0.5 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $80.6M | $68.6M | $58.2M | $11.6M | $23K | 0.11% | 2.97% | 1.26% | 3,779 |
| Q4 2025 | $80.2M | $68.0M | $59.2M | $11.6M | $293K | 0.37% | 3.23% | 1.22% | 3,817 |
| Q3 2025 | $79.7M | $67.6M | $60.9M | $11.5M | $193K | 0.32% | 3.26% | 0.06% | 3,874 |
| Q2 2025 | $80.7M | $68.6M | $62.3M | $11.3M | $28K | 0.07% | 3.26% | 0.11% | 3,941 |
| Q1 2025 | $82.2M | $70.3M | $66.5M | $11.3M | $48K | 0.23% | 3.24% | 0.98% | 4,045 |
| Q4 2024 | $81.8M | $70.0M | $67.1M | $11.3M | $259K | 0.32% | 3.37% | 0.94% | 4,139 |
| Q3 2024 | $84.5M | $72.5M | $67.8M | $11.2M | $199K | 0.31% | 3.21% | 2.27% | 4,197 |
| Q2 2024 | $85.3M | $74.0M | $67.8M | $11.3M | $215K | 0.50% | 3.17% | 1.36% |
| Ratio | Nikkei Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,267 |
Loan mix (Q1 2026): real estate $53.0M · commercial $0 · consumer $5.0M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 68th |
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 | Nikkei 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 | Nikkei 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 | Nikkei 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 | Nikkei 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% |
The full ratio pack is part of CharterBench Pro.