| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | -2.9% | +2.9% | -5.8 pts |
| ROA | 0.93% | 0.69% | +0.2 pts |
| ROE | 9.6% | 5.9% | +3.7 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 | $113.2M | $101.4M | $69.0M | $10.9M | $263K | 0.93% | 4.33% | 0.86% | 9,683 |
| Q4 2025 | $109.1M | $97.8M | $70.9M | $10.6M | $494K | 0.45% | 4.45% | 0.91% | 9,519 |
| Q3 2025 | $107.5M | $96.1M | $71.0M | $10.6M | $427K | 0.53% | 4.48% | 0.82% | 9,683 |
| Q2 2025 | $107.8M | $96.9M | $71.7M | $10.4M | $247K | 0.46% | 4.41% | 0.88% | 9,857 |
| Q1 2025 | $108.2M | $97.0M | $71.0M | $10.3M | $143K | 0.53% | 4.32% | 0.82% | 9,900 |
| Q4 2024 | $104.9M | $94.3M | $70.4M | $10.2M | $458K | 0.44% | 4.28% | 1.26% | 9,902 |
| Q3 2024 | $104.0M | $93.6M | $70.7M | $10.0M | $282K | 0.36% | 4.25% | 0.77% | 10,002 |
| Q2 2024 | $105.2M | $93.6M | $69.7M | $10.0M | $281K | 0.53% | 4.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 10,054 |
Loan mix (Q1 2026): real estate $14.7M · commercial $539K · consumer $51.7M · securities $18.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 78.7% | 83th |
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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