| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -5.2% | +0.7% | -5.9 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.8 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.7M | $29.5M | $24.9M | $5.1M | $57K | 0.66% | 5.08% | 0.66% | 3,155 |
| Q4 2025 | $37.1M | $31.9M | $25.9M | $5.0M | $453K | 1.22% | 4.13% | 0.93% | 3,163 |
| Q3 2025 | $35.3M | $29.9M | $25.9M | $4.9M | $370K | 1.40% | 4.33% | 0.40% | 3,189 |
| Q2 2025 | $35.7M | $30.4M | $25.9M | $4.8M | $246K | 1.38% | 4.32% | 0.38% | 3,183 |
| Q1 2025 | $36.5M | $31.1M | $25.3M | $4.7M | $134K | 1.47% | 4.11% | 0.39% | 3,155 |
| Q4 2024 | $37.2M | $32.0M | $26.1M | $4.6M | $535K | 1.44% | 3.99% | 0.60% | 3,141 |
| Q3 2024 | $35.4M | $30.5M | $26.2M | $4.4M | $382K | 1.44% | 4.06% | 0.40% | 3,168 |
| Q2 2024 | $34.9M | $30.2M | $26.4M | $4.3M | $231K | 1.32% | 4.01% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,155 |
Loan mix (Q1 2026): real estate $14.0M · commercial $0 · consumer $10.6M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 81.5% | 61th |
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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