| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.1 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.6M | $21.2M | $14.0M | $4.3M | $78K | 1.22% | 4.61% | 0.85% | 2,628 |
| Q4 2025 | $24.5M | $20.2M | $13.7M | $4.2M | $490K | 2.00% | 4.81% | 0.54% | 2,648 |
| Q3 2025 | $23.6M | $19.4M | $14.0M | $4.1M | $362K | 2.04% | 4.96% | 0.79% | 2,662 |
| Q2 2025 | $24.1M | $20.0M | $14.1M | $3.9M | $245K | 2.04% | 4.84% | 0.99% | 2,680 |
| Q1 2025 | $24.5M | $20.5M | $13.6M | $3.8M | $127K | 2.08% | 4.66% | 1.04% | 2,736 |
| Q4 2024 | $23.6M | $19.7M | $13.8M | $3.7M | $350K | 1.48% | 4.79% | 1.41% | 2,748 |
| Q3 2024 | $23.3M | $19.5M | $13.4M | $3.6M | $240K | 1.38% | 4.81% | 0.95% | 2,762 |
| Q2 2024 | $24.0M | $20.4M | $12.2M | $3.5M | $159K | 1.32% | 4.66% | 1.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,744 |
Loan mix (Q1 2026): real estate $5.0M · commercial $0 · consumer $8.1M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 81.5% | 30th |
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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