| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | +8.5% | -2.4% | +10.8 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 5.0% | 4.1% | +0.9 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 | $7.6M | $6.2M | $3.1M | $1.4M | $18K | 0.95% | 2.62% | 0.00% | 285 |
| Q4 2025 | $7.9M | $6.5M | $3.1M | $1.4M | $69K | 0.87% | 2.48% | 0.00% | 284 |
| Q3 2025 | $7.8M | $6.4M | $2.9M | $1.4M | $45K | 0.77% | 2.38% | 0.00% | 278 |
| Q2 2025 | $7.7M | $6.3M | $2.8M | $1.4M | $28K | 0.74% | 2.46% | 0.00% | 272 |
| Q1 2025 | $7.7M | $6.3M | $2.8M | $1.4M | $13K | 0.70% | 2.30% | 0.00% | 276 |
| Q4 2024 | $7.6M | $6.3M | $3.0M | $1.3M | $33K | 0.43% | 1.96% | 0.00% | 275 |
| Q3 2024 | $7.5M | $6.2M | $2.9M | $1.3M | $23K | 0.41% | 1.87% | 0.00% | 273 |
| Q2 2024 | $7.5M | $6.2M | $2.9M | $1.3M | $19K | 0.49% | 1.94% | 0.00% | 270 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $1.8M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 81.5% | 17th |
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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