| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -4.3% | +0.7% | -4.9 pts |
| Loan growth (YoY) | +15.6% | -2.4% | +17.9 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.6M | $1.2M | $449K | $359K | $4K | 0.96% | 3.85% | 3.22% | 382 |
| Q4 2025 | $1.7M | $1.4M | $468K | $355K | $15K | 0.89% | 3.37% | 4.80% | 368 |
| Q3 2025 | $1.8M | $1.4M | $468K | $372K | $32K | 2.40% | 3.32% | 5.21% | 372 |
| Q2 2025 | $1.8M | $1.5M | $346K | $371K | $32K | 3.47% | 3.17% | 8.00% | 365 |
| Q1 2025 | $1.7M | $1.3M | $388K | $368K | $28K | 6.86% | 3.39% | 3.82% | 362 |
| Q4 2024 | $1.6M | $1.2M | $448K | $340K | $-1K | -0.07% | 3.63% | 3.81% | 366 |
| Q3 2024 | $1.7M | $1.3M | $413K | $352K | $11K | 0.88% | 3.87% | 3.02% | 363 |
| Q2 2024 | $1.8M | $1.3M | $351K | $352K | $11K | 1.29% | 3.66% | 8.43% | 353 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $449K · securities $101K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 81.5% | 35th |
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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