| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -6.2% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -9.1% | -2.4% | -6.7 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.1M | $4.7M | $3.2M | $1.4M | $12K | 0.81% | 4.20% | 2.48% | 1,008 |
| Q4 2025 | $6.3M | $4.9M | $3.3M | $1.3M | $113K | 1.81% | 4.51% | 1.96% | 1,000 |
| Q3 2025 | $6.2M | $4.8M | $3.4M | $1.3M | $88K | 1.90% | 4.54% | 1.44% | 1,009 |
| Q2 2025 | $6.3M | $5.0M | $3.4M | $1.3M | $55K | 1.75% | 4.48% | 1.42% | 1,011 |
| Q1 2025 | $6.3M | $5.1M | $3.5M | $1.3M | $20K | 1.24% | 4.31% | 1.42% | 1,014 |
| Q4 2024 | $6.2M | $5.0M | $3.4M | $1.2M | $139K | 2.22% | 4.56% | 0.85% | 1,021 |
| Q3 2024 | $6.2M | $5.0M | $3.4M | $1.2M | $106K | 2.27% | 4.48% | 1.45% | 1,017 |
| Q2 2024 | $6.3M | $5.2M | $3.4M | $1.2M | $61K | 1.92% | 4.37% | 0.00% | 1,020 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $754K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 81.5% | 45th |
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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