| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | 3.60% | 0.60% | +3.0 pts |
| ROE | 15.5% | 4.1% | +11.4 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.2M | $4.1M | $1.3M | $50K | 3.60% | 6.54% | 0.00% | 650 |
| Q4 2025 | $5.5M | $4.3M | $4.0M | $1.2M | $30K | 0.54% | 5.55% | 1.02% | 654 |
| Q3 2025 | $5.6M | $4.3M | $4.1M | $1.3M | $73K | 1.75% | 5.73% | 0.00% | 653 |
| Q2 2025 | $5.4M | $4.2M | $4.0M | $1.3M | $52K | 1.93% | 5.84% | 0.15% | 662 |
| Q1 2025 | $5.5M | $4.2M | $3.9M | $1.2M | $39K | 2.88% | 6.28% | 1.15% | 670 |
| Q4 2024 | $5.4M | $4.2M | $3.8M | $1.2M | $50K | 0.92% | 5.24% | 0.13% | 675 |
| Q3 2024 | $5.4M | $4.2M | $3.8M | $1.2M | $83K | 2.03% | 5.45% | 0.63% | 683 |
| Q2 2024 | $5.4M | $4.2M | $3.8M | $1.2M | $58K | 2.12% | 5.52% | 0.14% | 684 |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.60% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 81.5% | 4th |
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 | Polk County Credit Union | 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 | Polk County Credit Union | 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 | Polk County Credit Union | 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 | Polk County Credit Union | 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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