| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.8 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.9 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.0M | $4.2M | $3.8M | $794K | $13K | 1.07% | 5.42% | 1.14% | 766 |
| Q4 2025 | $4.9M | $4.2M | $3.8M | $780K | $89K | 1.80% | 5.76% | 0.91% | 712 |
| Q3 2025 | $5.0M | $4.2M | $3.8M | $767K | $70K | 1.88% | 5.74% | 0.00% | 722 |
| Q2 2025 | $5.0M | $4.2M | $3.6M | $734K | $36K | 1.44% | 5.66% | 0.20% | 727 |
| Q1 2025 | $5.1M | $4.3M | $3.6M | $735K | $37K | 2.90% | 6.98% | 0.68% | 714 |
| Q4 2024 | $5.3M | $4.6M | $3.5M | $698K | $72K | 1.38% | 5.44% | 0.03% | 723 |
| Q3 2024 | $5.0M | $4.3M | $3.7M | $685K | $59K | 1.59% | 5.76% | 0.06% | 733 |
| Q2 2024 | $5.3M | $4.6M | $3.7M | $666K | $41K | 1.55% | 5.40% | 1.31% | 737 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $124K · commercial $0 · consumer $3.6M · securities $613K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 81.5% | 49th |
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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