| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.3 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +4.9 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 11.4% | 4.1% | +7.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $95.8M | $86.2M | $50.8M | $9.2M | $261K | 1.09% | 3.80% | 0.02% | 6,257 |
| Q4 2025 | $96.3M | $87.0M | $51.3M | $8.9M | $1.1M | 1.13% | 3.60% | 0.01% | 5,377 |
| Q3 2025 | $93.1M | $83.9M | $51.1M | $8.7M | $866K | 1.24% | 3.66% | 0.05% | 5,373 |
| Q2 2025 | $94.6M | $86.5M | $49.5M | $8.4M | $563K | 1.19% | 3.51% | 0.02% | 5,360 |
| Q1 2025 | $93.3M | $85.4M | $49.5M | $8.1M | $261K | 1.12% | 3.47% | 0.03% | 5,347 |
| Q4 2024 | $92.4M | $84.4M | $48.9M | $7.9M | $709K | 0.77% | 3.35% | 0.10% | 5,347 |
| Q3 2024 | $92.3M | $84.1M | $48.8M | $7.7M | $555K | 0.80% | 3.33% | 0.05% | 6,209 |
| Q2 2024 | $94.2M | $86.6M | $49.7M | $7.5M | $335K | 0.71% | 3.16% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,323 |
Loan mix (Q1 2026): real estate $22.8M · commercial $574K · consumer $25.6M · securities $32.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 81.5% | 38th |
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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