| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | -0.0 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.0 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.1 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.3M | $10.1M | $3.5M | $1.2M | $13K | 0.45% | 3.49% | 0.98% | 1,297 |
| Q4 2025 | $11.4M | $9.6M | $3.6M | $1.2M | $73K | 0.64% | 3.57% | 0.35% | 1,337 |
| Q3 2025 | $11.5M | $10.3M | $3.5M | $1.2M | $46K | 0.53% | 3.48% | 1.11% | 1,336 |
| Q2 2025 | $11.4M | $10.2M | $3.5M | $1.2M | $49K | 0.86% | 3.53% | 2.25% | 1,457 |
| Q1 2025 | $11.2M | $10.0M | $3.6M | $1.2M | $25K | 0.88% | 3.48% | 3.66% | 1,457 |
| Q4 2024 | $10.8M | $9.5M | $3.8M | $1.1M | $85K | 0.79% | 3.88% | 1.64% | 1,550 |
| Q3 2024 | $10.9M | $9.8M | $3.8M | $1.1M | $69K | 0.84% | 3.84% | 2.33% | 1,565 |
| Q2 2024 | $11.7M | $10.5M | $3.8M | $1.1M | $68K | 1.16% | 3.55% | 2.92% | 1,654 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $323K · commercial $0 · consumer $3.2M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 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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