| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.7 pts |
| ROA | 1.24% | 0.60% | +0.6 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.4M | $10.0M | $8.4M | $1.4M | $35K | 1.24% | 3.08% | 0.20% | 1,319 |
| Q4 2025 | $11.1M | $9.7M | $8.7M | $1.4M | $56K | 0.50% | 3.06% | 0.36% | 1,375 |
| Q3 2025 | $11.0M | $9.6M | $8.6M | $1.4M | $72K | 0.87% | 2.99% | 0.03% | 1,369 |
| Q2 2025 | $11.1M | $9.6M | $8.5M | $1.4M | $68K | 1.23% | 2.90% | 0.09% | 1,368 |
| Q1 2025 | $11.1M | $9.6M | $8.5M | $1.4M | $59K | 2.14% | 2.86% | 0.08% | 1,382 |
| Q4 2024 | $11.1M | $9.7M | $8.6M | $1.3M | $-557 | -0.01% | 2.83% | 0.01% | 1,386 |
| Q3 2024 | $10.4M | $9.0M | $8.0M | $1.4M | $10K | 0.13% | 3.05% | 0.00% | 1,371 |
| Q2 2024 | $10.4M | $9.0M | $8.0M | $1.4M | $-11K | -0.21% | 3.06% | 0.18% | 1,356 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $86K · commercial $52K · consumer $7.5M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 81.5% | 37th |
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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