| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +8.9% | +0.7% | +8.2 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.7 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.8M | $7.3M | $4.8M | $1.5M | $20K | 0.93% | 4.01% | 1.76% | 988 |
| Q4 2025 | $8.6M | $7.1M | $4.8M | $1.5M | $94K | 1.10% | 4.32% | 3.43% | 979 |
| Q3 2025 | $8.7M | $7.2M | $5.0M | $1.4M | $87K | 1.33% | 4.22% | 2.42% | 1,008 |
| Q2 2025 | $8.5M | $7.1M | $5.1M | $1.4M | $65K | 1.52% | 4.25% | 2.98% | 1,002 |
| Q1 2025 | $8.1M | $6.7M | $5.3M | $1.4M | $34K | 1.66% | 4.39% | 1.87% | 993 |
| Q4 2024 | $7.7M | $6.4M | $5.5M | $1.4M | $127K | 1.64% | 4.78% | 2.02% | 996 |
| Q3 2024 | $7.7M | $6.4M | $5.7M | $1.3M | $88K | 1.51% | 4.75% | 1.51% | 1,005 |
| Q2 2024 | $7.8M | $6.5M | $5.8M | $1.3M | $49K | 1.25% | 4.63% | 1.90% | 1,006 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $174K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 81.5% | 41th |
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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