| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -6.4% | -2.4% | -4.1 pts |
| ROA | 0.29% | 0.60% | -0.3 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.7M | $16.4M | $3.5M | $3.2M | $14K | 0.29% | 4.26% | 0.84% | 2,120 |
| Q4 2025 | $19.4M | $16.3M | $3.7M | $3.1M | $67K | 0.34% | 4.42% | 0.84% | 2,134 |
| Q3 2025 | $19.4M | $16.2M | $3.8M | $3.1M | $46K | 0.32% | 4.42% | 1.12% | 2,731 |
| Q2 2025 | $19.7M | $16.5M | $3.8M | $3.1M | $26K | 0.27% | 4.27% | 1.17% | 2,755 |
| Q1 2025 | $19.6M | $16.5M | $3.7M | $3.0M | $36K | 0.73% | 4.27% | 1.84% | 2,743 |
| Q4 2024 | $19.5M | $16.3M | $4.0M | $3.0M | $-56K | -0.29% | 4.21% | 1.92% | 2,243 |
| Q3 2024 | $20.0M | $16.9M | $3.9M | $3.0M | $-77K | -0.52% | 4.05% | 1.59% | 2,275 |
| Q2 2024 | $20.4M | $17.3M | $3.9M | $3.1M | $20K | 0.20% | 3.85% | 1.78% |
| Ratio | Nym Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,677 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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 | Nym Federal 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 | Nym Federal 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 | Nym Federal 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 | Nym Federal 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.