| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | +5.1% | -2.4% | +7.4 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.8M | $35.5M | $20.0M | $5.0M | $141K | 1.39% | 3.70% | 0.56% | 3,903 |
| Q4 2025 | $39.4M | $34.2M | $20.2M | $4.9M | $634K | 1.61% | 3.80% | 0.22% | 3,900 |
| Q3 2025 | $39.9M | $34.9M | $18.6M | $4.8M | $485K | 1.62% | 3.72% | 0.55% | 3,910 |
| Q2 2025 | $39.3M | $34.5M | $18.8M | $4.6M | $314K | 1.60% | 3.70% | 0.60% | 3,910 |
| Q1 2025 | $39.5M | $34.9M | $19.0M | $4.4M | $154K | 1.56% | 3.58% | 0.70% | 3,910 |
| Q4 2024 | $38.4M | $34.0M | $19.6M | $4.3M | $605K | 1.58% | 3.74% | 0.92% | 3,921 |
| Q3 2024 | $38.9M | $34.6M | $20.6M | $4.2M | $460K | 1.58% | 3.64% | 0.71% | 3,920 |
| Q2 2024 | $38.6M | $34.5M | $21.2M | $4.0M | $281K | 1.46% | 3.53% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,911 |
Loan mix (Q1 2026): real estate $775K · commercial $0 · consumer $17.9M · securities $10.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 81.5% | 20th |
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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