| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.6 pts |
| Loan growth (YoY) | +1.0% | -2.4% | +3.3 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 9.6% | 4.1% | +5.5 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.0M | $12.7M | $11.1M | $1.3M | $32K | 0.92% | 4.23% | 1.46% | 1,621 |
| Q4 2025 | $14.3M | $13.0M | $11.0M | $1.3M | $155K | 1.09% | 3.95% | 1.24% | 1,600 |
| Q3 2025 | $14.1M | $12.8M | $11.0M | $1.3M | $143K | 1.35% | 3.89% | 1.00% | 1,587 |
| Q2 2025 | $13.7M | $12.4M | $11.1M | $1.3M | $104K | 1.52% | 3.95% | 1.57% | 1,569 |
| Q1 2025 | $13.3M | $12.0M | $10.9M | $1.3M | $55K | 1.65% | 4.06% | 1.09% | 1,556 |
| Q4 2024 | $13.2M | $12.0M | $10.9M | $1.2M | $69K | 0.52% | 3.64% | 1.36% | 1,532 |
| Q3 2024 | $13.2M | $12.0M | $11.3M | $1.3M | $86K | 0.86% | 3.56% | 1.26% | 1,515 |
| Q2 2024 | $12.8M | $11.6M | $11.1M | $1.2M | $54K | 0.84% | 3.50% | 1.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,493 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.9M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 81.5% | 21th |
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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