| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +8.3% | -2.4% | +10.7 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.4M | $6.7M | $6.1M | $1.7M | $5K | 0.25% | 4.26% | 0.03% | 1,134 |
| Q4 2025 | $8.4M | $6.6M | $6.2M | $1.6M | $56K | 0.67% | 4.30% | 0.02% | 1,147 |
| Q3 2025 | $8.2M | $6.5M | $6.2M | $1.6M | $44K | 0.72% | 4.23% | 0.22% | 1,141 |
| Q2 2025 | $8.2M | $6.5M | $5.7M | $1.6M | $21K | 0.52% | 4.10% | 0.60% | 1,141 |
| Q1 2025 | $8.2M | $6.5M | $5.6M | $1.6M | $8K | 0.41% | 4.05% | 0.00% | 1,142 |
| Q4 2024 | $8.0M | $6.3M | $5.6M | $1.6M | $78K | 0.98% | 4.44% | 0.00% | 1,168 |
| Q3 2024 | $8.0M | $6.4M | $5.4M | $1.6M | $45K | 0.76% | 4.38% | 1.15% | 1,168 |
| Q2 2024 | $8.1M | $6.5M | $5.0M | $1.5M | $28K | 0.69% | 4.28% | 0.00% | 1,147 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 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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