| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.6 pts |
| Loan growth (YoY) | +0.2% | -2.4% | +2.5 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.7M | $15.9M | $8.7M | $1.6M | $8K | 0.18% | 4.44% | 0.83% | 2,129 |
| Q4 2025 | $17.5M | $15.6M | $8.8M | $1.6M | $48K | 0.28% | 4.67% | 1.13% | 2,141 |
| Q3 2025 | $17.4M | $15.5M | $8.9M | $1.6M | $33K | 0.25% | 4.63% | 1.31% | 2,143 |
| Q2 2025 | $17.4M | $15.5M | $8.9M | $1.6M | $20K | 0.23% | 4.37% | 2.69% | 2,150 |
| Q1 2025 | $18.6M | $16.7M | $8.7M | $1.6M | $7K | 0.15% | 3.97% | 2.30% | 2,154 |
| Q4 2024 | $16.8M | $14.9M | $8.4M | $1.6M | $51K | 0.30% | 4.20% | 1.74% | 2,160 |
| Q3 2024 | $16.7M | $14.9M | $8.4M | $1.6M | $40K | 0.32% | 4.25% | 1.09% | 2,172 |
| Q2 2024 | $17.4M | $15.7M | $8.4M | $1.6M | $25K | 0.29% | 3.95% | 1.18% | 2,197 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $6.7M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 81.5% | 77th |
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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