| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.7 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.3 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.2M | $12.8M | $6.7M | $3.4M | $27K | 0.67% | 3.56% | 0.00% | 889 |
| Q4 2025 | $16.1M | $12.7M | $6.8M | $3.4M | $143K | 0.89% | 3.93% | 0.00% | 889 |
| Q3 2025 | $16.4M | $13.0M | $6.8M | $3.3M | $104K | 0.85% | 3.91% | 0.00% | 888 |
| Q2 2025 | $17.2M | $13.8M | $6.9M | $3.3M | $45K | 0.52% | 3.69% | 0.00% | 898 |
| Q1 2025 | $16.4M | $13.1M | $6.8M | $3.2M | $29K | 0.70% | 3.80% | 0.00% | 907 |
| Q4 2024 | $16.2M | $12.9M | $6.8M | $3.2M | $273K | 1.69% | 4.12% | 0.90% | 912 |
| Q3 2024 | $16.2M | $12.9M | $6.7M | $3.2M | $237K | 1.94% | 4.10% | 0.00% | 918 |
| Q2 2024 | $16.4M | $13.3M | $6.6M | $3.1M | $141K | 1.72% | 3.86% | 0.00% | 916 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.9M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 81.5% | 44th |
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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