| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +3.9% | -4.8 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | -5.2% | +2.9% | -8.2 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 4.6% | 5.9% | -1.4 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $249.7M | $206.3M | $53.2M | $41.8M | $479K | 0.77% | 3.44% | 1.11% | 11,410 |
| Q4 2025 | $245.1M | $202.7M | $53.9M | $41.3M | $2.0M | 0.81% | 3.27% | 0.98% | 11,546 |
| Q3 2025 | $246.0M | $203.5M | $54.9M | $40.8M | $1.4M | 0.77% | 3.16% | 0.54% | 11,991 |
| Q2 2025 | $248.1M | $206.3M | $55.8M | $40.2M | $825K | 0.67% | 3.02% | 0.75% | 12,161 |
| Q1 2025 | $251.9M | $210.6M | $56.2M | $39.7M | $350K | 0.56% | 2.88% | 0.71% | 12,588 |
| Q4 2024 | $250.1M | $209.0M | $57.8M | $39.6M | $536K | 0.21% | 2.39% | 0.49% | 12,659 |
| Q3 2024 | $252.7M | $211.4M | $58.1M | $39.4M | $304K | 0.16% | 2.30% | 0.48% | 12,806 |
| Q2 2024 | $255.7M | $214.7M | $59.0M | $39.2M | $193K | 0.15% | 2.24% |
| Ratio | Nw Priority Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 12,886 |
Loan mix (Q1 2026): real estate $31.6M · commercial $0 · consumer $20.1M · securities $138.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 55th |
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 | Nw Priority 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 | Nw Priority 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 | Nw Priority 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 | Nw Priority 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% |
The full ratio pack is part of CharterBench Pro.