| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +9.5% | -2.4% | +11.9 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $6.8M | $6.9M | $1.2M | $23K | 1.14% | 3.90% | 1.37% | 711 |
| Q4 2025 | $8.3M | $6.9M | $6.5M | $1.2M | $29K | 0.35% | 3.68% | 1.69% | 817 |
| Q3 2025 | $7.9M | $6.6M | $6.6M | $1.2M | $12K | 0.20% | 3.78% | 1.72% | 801 |
| Q2 2025 | $7.8M | $6.5M | $6.3M | $1.1M | $-15K | -0.38% | 3.52% | 1.83% | 799 |
| Q1 2025 | $7.9M | $6.6M | $6.3M | $1.1M | $-12K | -0.59% | 3.28% | 1.60% | 800 |
| Q4 2024 | $7.9M | $6.6M | $6.2M | $1.1M | $3K | 0.04% | 3.86% | 0.06% | 805 |
| Q3 2024 | $7.8M | $6.6M | $6.5M | $1.1M | $-18K | -0.30% | 3.86% | 0.29% | 790 |
| Q2 2024 | $7.7M | $6.4M | $6.0M | $1.1M | $-27K | -0.71% | 3.68% | 0.38% | 786 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $152K · securities $43K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 81.5% | 33th |
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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