| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +1.9 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 1.72% | 0.60% | +1.1 pts |
| ROE | 8.4% | 4.1% | +4.3 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $4.3M | $2.1M | $1.1M | $23K | 1.72% | 3.65% | 0.00% | 548 |
| Q4 2025 | $5.2M | $4.1M | $2.1M | $1.1M | $118K | 2.28% | 4.19% | 0.00% | 549 |
| Q3 2025 | $5.1M | $4.0M | $2.0M | $1.1M | $89K | 2.33% | 4.25% | 0.51% | 548 |
| Q2 2025 | $5.3M | $4.2M | $2.1M | $1.0M | $60K | 2.27% | 4.12% | 0.47% | 551 |
| Q1 2025 | $5.3M | $4.2M | $2.0M | $996K | $29K | 2.23% | 4.15% | 0.12% | 555 |
| Q4 2024 | $5.4M | $4.4M | $2.1M | $967K | $146K | 2.71% | 4.46% | 0.12% | 559 |
| Q3 2024 | $5.4M | $4.4M | $2.1M | $936K | $115K | 2.84% | 4.54% | 0.13% | 559 |
| Q2 2024 | $5.1M | $4.2M | $2.3M | $899K | $78K | 3.08% | 4.93% | 0.00% | 558 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $270K · commercial $0 · consumer $1.8M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 81.5% | 5th |
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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