| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | +9.8% | +2.9% | +6.9 pts |
| ROA | 0.14% | 0.69% | -0.5 pts |
| ROE | 1.5% | 5.9% | -4.5 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $146.7M | $125.6M | $112.1M | $14.5M | $53K | 0.14% | 4.22% | 0.64% | 8,087 |
| Q4 2025 | $143.3M | $123.7M | $108.8M | $14.5M | $1.0M | 0.72% | 4.24% | 0.78% | 7,997 |
| Q3 2025 | $141.8M | $126.3M | $106.0M | $14.4M | $984K | 0.93% | 4.23% | 0.48% | 7,937 |
| Q2 2025 | $143.1M | $128.3M | $104.7M | $14.2M | $717K | 1.00% | 4.09% | 0.65% | 7,846 |
| Q1 2025 | $138.4M | $124.7M | $102.0M | $13.8M | $344K | 0.99% | 4.13% | 0.40% | 7,795 |
| Q4 2024 | $134.5M | $120.3M | $101.6M | $13.5M | $868K | 0.65% | 4.01% | 0.79% | 7,810 |
| Q3 2024 | $135.3M | $121.9M | $101.2M | $13.3M | $654K | 0.64% | 3.90% | 0.39% | 7,786 |
| Q2 2024 | $135.0M | $122.7M | $99.7M | $13.1M | $277K | 0.41% | 3.83% |
| Ratio | R G Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 7,801 |
Loan mix (Q1 2026): real estate $53.2M · commercial $0 · consumer $54.5M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 78.7% | 85th |
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 | R G Federal 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 | R G Federal 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 | R G Federal 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 | R G Federal 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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