| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.8 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.0 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.1M | $11.6M | $4.8M | $1.4M | $17K | 0.51% | 3.31% | 0.74% | 1,302 |
| Q4 2025 | $12.5M | $11.0M | $5.0M | $1.4M | $29K | 0.23% | 3.60% | 2.67% | 1,308 |
| Q3 2025 | $12.3M | $10.8M | $4.9M | $1.4M | $25K | 0.27% | 3.62% | 2.08% | 1,308 |
| Q2 2025 | $12.1M | $10.6M | $5.0M | $1.4M | $13K | 0.22% | 3.61% | 2.37% | 1,310 |
| Q1 2025 | $12.5M | $11.0M | $4.9M | $1.4M | $3K | 0.08% | 3.43% | 1.55% | 1,309 |
| Q4 2024 | $11.8M | $10.3M | $5.3M | $1.4M | $66K | 0.56% | 3.89% | 2.18% | 1,314 |
| Q3 2024 | $11.9M | $10.4M | $5.4M | $1.4M | $59K | 0.67% | 3.83% | 1.87% | 1,319 |
| Q2 2024 | $11.4M | $10.0M | $5.3M | $1.4M | $42K | 0.73% | 3.89% | 2.21% | 1,312 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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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