| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.4 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.1 pts |
| ROA | -0.68% | 0.60% | -1.3 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $2.6M | $1.5M | $2.3M | $-8K | -0.68% | 4.63% | 0.86% | 886 |
| Q4 2025 | $4.7M | $2.3M | $1.7M | $2.3M | $73K | 1.57% | 5.21% | 1.27% | 910 |
| Q3 2025 | $5.0M | $2.7M | $1.6M | $2.3M | $66K | 1.75% | 5.25% | 1.26% | 926 |
| Q2 2025 | $5.0M | $2.7M | $1.6M | $2.3M | $57K | 2.30% | 5.09% | 0.81% | 937 |
| Q1 2025 | $4.8M | $2.6M | $1.6M | $2.2M | $18K | 1.45% | 5.34% | 1.75% | 908 |
| Q4 2024 | $4.6M | $2.4M | $1.5M | $2.2M | $44K | 0.97% | 5.05% | 1.27% | 910 |
| Q3 2024 | $5.1M | $2.8M | $1.5M | $2.2M | $52K | 1.38% | 4.46% | 0.67% | 897 |
| Q2 2024 | $4.9M | $2.8M | $1.5M | $2.1M | $-22K | -0.89% | 2.86% | 0.44% | 894 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.68% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.1% | 81.5% | 92th |
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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