| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -16.4% | -2.4% | -14.0 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.2M | $65.0M | $32.2M | $12.3M | $102K | 0.54% | 4.62% | 0.35% | 7,222 |
| Q4 2025 | $73.8M | $63.8M | $33.9M | $12.2M | $1.1M | 1.44% | 5.12% | 0.27% | 7,326 |
| Q3 2025 | $73.5M | $63.6M | $35.4M | $12.1M | $1.0M | 1.86% | 5.25% | 0.45% | 7,450 |
| Q2 2025 | $74.1M | $64.8M | $36.8M | $12.1M | $935K | 2.53% | 5.30% | 0.42% | 7,714 |
| Q1 2025 | $74.7M | $65.6M | $38.5M | $11.2M | $63K | 0.34% | 5.14% | 0.70% | 7,771 |
| Q4 2024 | $72.6M | $64.3M | $40.0M | $11.1M | $452K | 0.62% | 5.81% | 0.64% | 7,834 |
| Q3 2024 | $74.7M | $65.6M | $41.6M | $11.0M | $395K | 0.70% | 5.68% | 0.63% | 7,942 |
| Q2 2024 | $74.4M | $65.9M | $43.4M | $10.9M | $336K | 0.90% | 5.73% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,040 |
Loan mix (Q1 2026): real estate $7.4M · commercial $3.4M · consumer $18.2M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 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 | 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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