| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.5 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 3.23% | 0.60% | +2.6 pts |
| ROE | 15.7% | 4.1% | +11.6 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.3M | $2.2M | $1.1M | $44K | 3.23% | 5.68% | 0.44% | 261 |
| Q4 2025 | $5.6M | $4.4M | $2.4M | $1.1M | $140K | 2.50% | 5.54% | 0.26% | 278 |
| Q3 2025 | $5.3M | $4.2M | $2.3M | $1.1M | $120K | 3.03% | 5.87% | 1.21% | 269 |
| Q2 2025 | $5.4M | $4.2M | $2.5M | $1.0M | $85K | 3.14% | 5.66% | 0.39% | 267 |
| Q1 2025 | $5.2M | $4.1M | $2.2M | $987K | $39K | 3.00% | 5.62% | 0.97% | 261 |
| Q4 2024 | $5.0M | $4.1M | $2.2M | $948K | $170K | 3.36% | 6.05% | 0.59% | 261 |
| Q3 2024 | $4.9M | $4.0M | $2.1M | $911K | $132K | 3.59% | 6.27% | 1.03% | 260 |
| Q2 2024 | $5.0M | $4.1M | $2.3M | $867K | $88K | 3.50% | 6.06% | 0.73% | 255 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.23% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 81.5% | 7th |
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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