| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | -0.53% | 0.60% | -1.1 pts |
| ROE | -4.8% | 4.1% | -8.9 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.4M | $50.4M | $22.0M | $6.3M | $-76K | -0.53% | 3.33% | 0.20% | 3,173 |
| Q4 2025 | $56.6M | $49.6M | $22.4M | $6.4M | $-261K | -0.46% | 3.38% | 0.26% | 3,167 |
| Q3 2025 | $57.1M | $49.8M | $22.6M | $6.5M | $-197K | -0.46% | 3.31% | 0.72% | 3,139 |
| Q2 2025 | $60.0M | $53.0M | $21.2M | $6.5M | $-178K | -0.59% | 3.03% | 1.00% | 3,084 |
| Q1 2025 | $57.7M | $50.4M | $20.6M | $6.5M | $-120K | -0.83% | 3.06% | 0.32% | 3,116 |
| Q4 2024 | $55.1M | $47.8M | $21.3M | $6.6M | $92K | 0.17% | 3.43% | 0.63% | 3,038 |
| Q3 2024 | $54.6M | $47.2M | $22.3M | $6.7M | $150K | 0.37% | 3.50% | 0.42% | 3,025 |
| Q2 2024 | $55.7M | $48.0M | $22.8M | $6.7M | $144K | 0.52% | 3.42% | 0.34% |
| Ratio | Rt Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.8% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,063 |
Loan mix (Q1 2026): real estate $10.8M · commercial $0 · consumer $10.8M · securities $19.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.5% | 81.5% | 93th |
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 | Rt 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 | Rt 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 | Rt 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 | Rt 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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