| Metric | Numark Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.8% | +3.2 pts |
| Share growth (YoY) | +8.7% | +4.3% | +4.4 pts |
| Loan growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| ROA | 0.51% | 0.62% | -0.1 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $947.6M | $797.6M | $636.5M | $93.8M | $1.2M | 0.51% | 3.89% | 0.94% | 61,622 |
| Q4 2025 | $884.9M | $734.7M | $638.6M | $92.6M | $6.0M | 0.67% | 3.90% | 1.28% | 61,600 |
| Q3 2025 | $879.8M | $730.7M | $640.3M | $91.4M | $4.8M | 0.72% | 3.86% | 1.31% | 62,350 |
| Q2 2025 | $872.2M | $727.3M | $635.6M | $89.5M | $2.9M | 0.65% | 3.79% | 1.02% | 62,477 |
| Q1 2025 | $877.5M | $733.8M | $618.5M | $87.7M | $1.1M | 0.48% | 3.57% | 0.93% | 62,031 |
| Q4 2024 | $850.5M | $708.5M | $612.1M | $86.7M | $6.6M | 0.77% | 3.49% | 1.04% | 61,679 |
| Q3 2024 | $829.4M | $687.8M | $604.4M | $84.7M | $4.6M | 0.74% | 3.48% | 0.93% | 62,084 |
| Q2 2024 | $778.1M | $679.3M | $591.6M | $83.1M | $3.1M | 0.79% | 3.66% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Numark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.62% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.83% |
| 61,839 |
Loan mix (Q1 2026): real estate $143.7M · commercial $83.8M · consumer $261.0M · securities $141.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 78.3% | 81th |
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 | Numark Credit Union | 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 | Numark Credit Union | 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 | Numark Credit Union | 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 | Numark Credit Union | 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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