| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +5.1% | +10.1 pts |
| Share growth (YoY) | +15.8% | +4.9% | +11.0 pts |
| Loan growth (YoY) | +26.6% | +5.4% | +21.2 pts |
| ROA | 0.86% | 0.71% | +0.1 pts |
| ROE | 7.5% | 6.3% | +1.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.26B | $1.03B | $999.9M | $145.2M | $2.7M | 0.86% | 4.01% | 1.42% | 92,011 |
| Q4 2025 | $1.17B | $946.5M | $936.3M | $131.7M | $6.7M | 0.57% | 4.10% | 1.48% | 89,202 |
| Q3 2025 | $1.13B | $916.7M | $909.1M | $122.4M | $5.2M | 0.61% | 4.20% | 1.75% | 87,350 |
| Q2 2025 | $1.08B | $883.0M | $856.3M | $121.4M | $4.3M | 0.79% | 4.30% | 1.86% | 84,551 |
| Q1 2025 | $1.10B | $887.9M | $789.7M | $119.9M | $2.7M | 0.98% | 4.20% | 1.51% | 84,605 |
| Q4 2024 | $1.04B | $833.8M | $798.7M | $117.2M | $10.9M | 1.05% | 3.55% | 1.33% | 85,402 |
| Q3 2024 | $1.02B | $809.8M | $791.5M | $119.8M | $14.9M | 1.93% | 3.29% | 1.17% | 84,664 |
| Q2 2024 | $1.00B | $819.0M | $797.9M | $103.2M | $4.0M | 0.80% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.71% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.30% |
| 84,600 |
Loan mix (Q1 2026): real estate $439.8M · commercial $129.1M · consumer $396.4M · securities $49.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 73.0% | 45th |
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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