| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -6.0% | +0.7% | -6.6 pts |
| Loan growth (YoY) | -18.8% | -2.4% | -16.4 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.9M | $17.8M | $4.6M | $3.3M | $9K | 0.18% | 3.20% | 0.56% | 1,673 |
| Q4 2025 | $19.8M | $17.8M | $5.0M | $3.2M | $38K | 0.19% | 3.22% | 0.68% | 1,708 |
| Q3 2025 | $20.1M | $18.0M | $5.2M | $3.2M | $38K | 0.25% | 3.17% | 0.56% | 1,714 |
| Q2 2025 | $20.5M | $18.4M | $5.5M | $3.2M | $22K | 0.22% | 3.06% | 0.53% | 1,730 |
| Q1 2025 | $21.0M | $19.0M | $5.7M | $3.2M | $7K | 0.13% | 2.93% | 0.60% | 1,746 |
| Q4 2024 | $20.7M | $18.8M | $5.7M | $3.2M | $84K | 0.40% | 2.85% | 0.11% | 1,867 |
| Q3 2024 | $20.9M | $19.0M | $5.8M | $3.2M | $48K | 0.31% | 2.77% | 0.27% | 1,897 |
| Q2 2024 | $20.9M | $18.9M | $5.4M | $3.0M | $22K | 0.21% | 2.70% | 0.77% | 1,748 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $3.1M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.8% | 81.5% | 78th |
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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