| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -9.0% | -2.4% | -6.6 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.1M | $62.8M | $43.5M | $7.7M | $154K | 0.88% | 4.24% | 0.65% | 4,352 |
| Q4 2025 | $67.8M | $60.2M | $44.1M | $7.5M | $1.1M | 1.64% | 4.25% | 0.35% | 4,365 |
| Q3 2025 | $69.1M | $61.9M | $44.9M | $7.4M | $940K | 1.81% | 4.10% | 1.01% | 4,397 |
| Q2 2025 | $70.1M | $63.7M | $45.9M | $7.0M | $350K | 1.00% | 3.85% | 0.66% | 4,362 |
| Q1 2025 | $72.0M | $65.7M | $47.8M | $6.6M | $236K | 1.31% | 3.70% | 0.34% | 4,519 |
| Q4 2024 | $70.9M | $64.4M | $48.8M | $6.4M | $633K | 0.89% | 3.86% | 0.27% | 4,495 |
| Q3 2024 | $66.9M | $60.9M | $49.3M | $6.3M | $493K | 0.98% | 4.05% | 0.14% | 4,523 |
| Q2 2024 | $68.1M | $62.5M | $50.1M | $6.0M | $259K | 0.76% | 3.87% | 0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,524 |
Loan mix (Q1 2026): real estate $15.9M · commercial $7.0M · consumer $17.3M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 81.5% | 57th |
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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