| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -8.5% | +0.7% | -9.1 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.9 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.0M | $6.0M | $328K | $1.0M | $6K | 0.33% | 0.63% | 0.74% | 574 |
| Q4 2025 | $7.0M | $5.9M | $306K | $1.0M | $2K | 0.03% | 0.37% | 0.42% | 584 |
| Q3 2025 | $7.3M | $6.3M | $303K | $997K | $-12K | -0.22% | 0.12% | 0.00% | 594 |
| Q2 2025 | $7.5M | $6.5M | $313K | $987K | $-22K | -0.57% | -0.24% | 0.00% | 602 |
| Q1 2025 | $7.5M | $6.5M | $311K | $950K | $-16K | -0.83% | -0.45% | 0.00% | 603 |
| Q4 2024 | $7.3M | $6.2M | $331K | $1.0M | $12K | 0.16% | 0.50% | 0.00% | 613 |
| Q3 2024 | $7.1M | $6.1M | $327K | $1.0M | $10K | 0.19% | 0.52% | 0.00% | 620 |
| Q2 2024 | $7.2M | $6.1M | $265K | $1.0M | $14K | 0.39% | 0.68% | 0.00% | 624 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $328K · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 81.5% | 4th |
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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