| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +1.3% | -9.8 pts |
| Share growth (YoY) | -8.5% | +0.7% | -9.1 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.4 pts |
| ROA | -3.18% | 0.60% | -3.8 pts |
| ROE | -19.2% | 4.1% | -23.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.3M | $14.3M | $14.0M | $2.9M | $-138K | -3.18% | 4.49% | 3.96% | 1,778 |
| Q4 2025 | $17.6M | $14.5M | $14.4M | $3.0M | $-107K | -0.61% | 4.56% | 7.18% | 1,774 |
| Q3 2025 | $17.2M | $14.0M | $14.8M | $3.1M | $12K | 0.09% | 4.70% | 8.13% | 1,759 |
| Q2 2025 | $17.8M | $14.6M | $15.0M | $3.1M | $-11K | -0.12% | 4.54% | 8.49% | 1,748 |
| Q1 2025 | $18.9M | $15.7M | $14.9M | $3.1M | $5K | 0.10% | 4.07% | 9.96% | 1,730 |
| Q4 2024 | $18.6M | $15.4M | $15.5M | $3.1M | $96K | 0.52% | 4.09% | 8.63% | 1,734 |
| Q3 2024 | $18.4M | $15.1M | $15.9M | $3.1M | $93K | 0.68% | 4.19% | 7.34% | 1,733 |
| Q2 2024 | $18.1M | $15.0M | $15.6M | $3.1M | $48K | 0.53% | 4.04% | 7.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.18% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -19.2% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,723 |
Loan mix (Q1 2026): real estate $4.7M · commercial $269K · consumer $9.1M · securities $103K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 81.5% | 52th |
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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