| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +3.9% | +4.1 pts |
| Share growth (YoY) | +7.9% | +3.3% | +4.6 pts |
| Loan growth (YoY) | +14.2% | +2.9% | +11.3 pts |
| ROA | 1.24% | 0.69% | +0.5 pts |
| ROE | 7.8% | 5.9% | +1.8 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $296.3M | $247.4M | $134.2M | $47.4M | $920K | 1.24% | 2.91% | 1.25% | 12,477 |
| Q4 2025 | $288.4M | $239.9M | $134.3M | $46.5M | $4.3M | 1.48% | 3.00% | 1.38% | 12,370 |
| Q3 2025 | $283.2M | $235.8M | $131.6M | $45.3M | $3.1M | 1.45% | 3.00% | 1.05% | 12,371 |
| Q2 2025 | $279.7M | $233.5M | $125.2M | $44.4M | $2.1M | 1.51% | 2.96% | 0.84% | 12,148 |
| Q1 2025 | $274.3M | $229.3M | $117.5M | $43.4M | $1.1M | 1.65% | 2.88% | 0.70% | 11,887 |
| Q4 2024 | $263.6M | $219.0M | $112.5M | $42.3M | $3.9M | 1.50% | 2.74% | 0.69% | 11,637 |
| Q3 2024 | $257.4M | $214.1M | $107.7M | $41.1M | $2.8M | 1.47% | 2.78% | 0.76% | 11,514 |
| Q2 2024 | $254.7M | $213.1M | $102.6M | $40.1M | $1.8M | 1.42% | 2.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.79% |
| 11,408 |
Loan mix (Q1 2026): real estate $38.1M · commercial $0 · consumer $83.3M · securities $130.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 78.7% | 10th |
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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