| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.7 pts |
| Loan growth (YoY) | +10.6% | -2.4% | +12.9 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.4M | $59.7M | $49.5M | $6.3M | $2K | 0.01% | 2.58% | 0.95% | 2,424 |
| Q4 2025 | $65.3M | $59.7M | $48.1M | $6.4M | $36K | 0.05% | 2.59% | 0.92% | 2,403 |
| Q3 2025 | $64.8M | $59.1M | $48.1M | $6.4M | $60K | 0.12% | 2.59% | 0.63% | 2,499 |
| Q2 2025 | $64.9M | $59.1M | $45.9M | $6.4M | $62K | 0.19% | 2.51% | 0.73% | 2,513 |
| Q1 2025 | $64.8M | $59.0M | $44.8M | $6.4M | $54K | 0.33% | 2.46% | 0.64% | 2,528 |
| Q4 2024 | $65.9M | $60.3M | $45.4M | $6.5M | $-149K | -0.23% | 2.10% | 0.71% | 2,579 |
| Q3 2024 | $65.2M | $59.4M | $44.6M | $6.5M | $-89K | -0.18% | 2.07% | 0.13% | 2,641 |
| Q2 2024 | $66.5M | $60.9M | $43.9M | $6.5M | $-85K | -0.26% | 1.94% | 0.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,656 |
Loan mix (Q1 2026): real estate $29.0M · commercial $10.3M · consumer $9.7M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 81.5% | 82th |
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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