| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.4M | $2.4M | $501K | $725 | 0.10% | 4.19% | 0.00% | 526 |
| Q4 2025 | $3.0M | $2.4M | $2.4M | $500K | $105 | 0.00% | 3.97% | 0.00% | 525 |
| Q3 2025 | $3.1M | $2.5M | $2.4M | $502K | $2K | 0.10% | 3.97% | 0.00% | 527 |
| Q2 2025 | $3.0M | $2.4M | $2.5M | $499K | $-869 | -0.06% | 3.97% | 0.00% | 531 |
| Q1 2025 | $3.1M | $2.5M | $2.5M | $498K | $-2K | -0.22% | 3.93% | 0.07% | 536 |
| Q4 2024 | $3.1M | $2.5M | $2.7M | $500K | $3K | 0.09% | 3.75% | 0.00% | 538 |
| Q3 2024 | $3.1M | $2.5M | $2.6M | $502K | $5K | 0.20% | 3.86% | 0.00% | 538 |
| Q2 2024 | $3.0M | $2.5M | $2.6M | $498K | $695 | 0.05% | 3.82% | 0.00% | 541 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 81.5% | 81th |
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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