| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -8.5% | +0.7% | -9.2 pts |
| Loan growth (YoY) | -12.7% | -2.4% | -10.3 pts |
| ROA | -1.38% | 0.60% | -2.0 pts |
| ROE | -10.9% | 4.1% | -15.0 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.3M | $74.3M | $47.0M | $10.8M | $-293K | -1.38% | 3.82% | 3.24% | 6,727 |
| Q4 2025 | $89.7M | $78.3M | $49.9M | $11.1M | $-199K | -0.22% | 3.51% | 3.17% | 6,745 |
| Q3 2025 | $90.9M | $79.6M | $52.1M | $11.1M | $-177K | -0.26% | 3.45% | 3.39% | 6,777 |
| Q2 2025 | $92.1M | $80.6M | $54.7M | $11.2M | $-78K | -0.17% | 3.51% | 2.19% | 6,780 |
| Q1 2025 | $92.7M | $81.1M | $53.9M | $11.2M | $-46K | -0.20% | 3.44% | 1.92% | 6,796 |
| Q4 2024 | $93.7M | $82.2M | $56.1M | $11.3M | $3K | 0.00% | 3.10% | 2.55% | 6,792 |
| Q3 2024 | $94.2M | $82.7M | $58.2M | $11.3M | $15K | 0.02% | 3.10% | 2.14% | 6,814 |
| Q2 2024 | $97.3M | $85.9M | $59.4M | $11.3M | $-19K | -0.04% | 2.92% | 1.38% |
| Ratio | Primesource Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.38% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,817 |
Loan mix (Q1 2026): real estate $11.4M · commercial $0 · consumer $26.8M · securities $22.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th |
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 | Primesource 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 | Primesource 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 | Primesource 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 | Primesource 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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