| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -1.6% | +0.7% | -2.2 pts |
| Loan growth (YoY) | +9.4% | -2.4% | +11.7 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.6M | $11.0M | $9.6M | $2.5M | $19K | 0.57% | 5.18% | 0.47% | 1,607 |
| Q4 2025 | $13.8M | $11.2M | $9.6M | $2.5M | $81K | 0.59% | 5.14% | 0.48% | 1,605 |
| Q3 2025 | $13.7M | $11.1M | $9.2M | $2.5M | $56K | 0.55% | 5.20% | 1.34% | 1,599 |
| Q2 2025 | $13.7M | $11.2M | $8.7M | $2.4M | $34K | 0.50% | 5.08% | 0.95% | 1,575 |
| Q1 2025 | $13.7M | $11.2M | $8.8M | $2.4M | $20K | 0.60% | 5.03% | 0.84% | 1,560 |
| Q4 2024 | $13.1M | $10.6M | $9.0M | $2.4M | $33K | 0.26% | 4.87% | 0.65% | 1,559 |
| Q3 2024 | $12.9M | $10.5M | $8.6M | $2.4M | $28K | 0.29% | 4.90% | 0.88% | 1,552 |
| Q2 2024 | $12.8M | $10.3M | $8.7M | $2.4M | $7K | 0.11% | 4.83% | 0.84% | 1,560 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.1M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 81.5% | 58th |
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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