| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.7 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.2 pts |
| ROA | 1.42% | 0.60% | +0.8 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.1M | $9.7M | $4.8M | $2.4M | $43K | 1.42% | 2.32% | 0.00% | 800 |
| Q4 2025 | $12.3M | $9.9M | $4.9M | $2.4M | $161K | 1.32% | 2.43% | 0.00% | 815 |
| Q3 2025 | $12.2M | $9.8M | $5.1M | $2.3M | $120K | 1.32% | 2.44% | 0.00% | 824 |
| Q2 2025 | $12.6M | $10.2M | $4.9M | $2.3M | $94K | 1.50% | 2.32% | 0.00% | 834 |
| Q1 2025 | $12.5M | $10.2M | $4.9M | $2.2M | $44K | 1.40% | 2.24% | 0.00% | 842 |
| Q4 2024 | $12.0M | $9.8M | $5.0M | $2.2M | $159K | 1.32% | 2.18% | 0.00% | 855 |
| Q3 2024 | $11.5M | $9.3M | $5.2M | $2.2M | $127K | 1.47% | 2.34% | 0.04% | 863 |
| Q2 2024 | $11.5M | $9.4M | $5.2M | $2.1M | $82K | 1.43% | 2.27% | 0.00% | 862 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $1.2M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.1% | 81.5% | 2th |
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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