| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.7 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.5 pts |
| ROA | 2.91% | 0.60% | +2.3 pts |
| ROE | 14.9% | 4.1% | +10.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $1.2M | $341K | $284K | $11K | 2.91% | 5.05% | 0.00% | 348 |
| Q4 2025 | $1.4M | $1.2M | $350K | $273K | $16K | 1.13% | 5.15% | 0.00% | 350 |
| Q3 2025 | $1.5M | $1.2M | $352K | $270K | $13K | 1.12% | 4.88% | 0.00% | 353 |
| Q2 2025 | $1.5M | $1.2M | $371K | $266K | $9K | 1.18% | 5.00% | 0.00% | 358 |
| Q1 2025 | $1.5M | $1.2M | $379K | $260K | $3K | 0.79% | 4.95% | 0.68% | 364 |
| Q4 2024 | $1.4M | $1.2M | $413K | $257K | $129 | 0.01% | 4.79% | 2.08% | 369 |
| Q3 2024 | $1.5M | $1.2M | $396K | $252K | $-5K | -0.43% | 4.46% | 2.22% | 370 |
| Q2 2024 | $1.5M | $1.3M | $376K | $245K | $-12K | -1.52% | 4.09% | 2.37% | 380 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.91% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $335K · securities $532K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 81.5% | 33th |
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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