| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 2.96% | 0.60% | +2.4 pts |
| ROE | 32.7% | 4.1% | +28.6 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.9M | $1.5M | $194K | $16K | 2.96% | 4.63% | 1.85% | 209 |
| Q4 2025 | $2.1M | $1.9M | $1.7M | $178K | $12K | 0.57% | 4.25% | 12.01% | 212 |
| Q3 2025 | $2.0M | $1.8M | $1.8M | $171K | $6K | 0.36% | 4.21% | 10.13% | 219 |
| Q2 2025 | $2.0M | $1.9M | $1.7M | $169K | $3K | 0.31% | 4.23% | 15.13% | 228 |
| Q1 2025 | $2.1M | $1.9M | $1.6M | $165K | $-1K | -0.23% | 3.48% | 11.68% | 213 |
| Q4 2024 | $2.1M | $1.9M | $1.5M | $166K | $-30K | -1.43% | 3.98% | 0.00% | 211 |
| Q3 2024 | $2.1M | $1.9M | $1.5M | $182K | $-14K | -0.88% | 3.93% | 12.21% | 213 |
| Q2 2024 | $2.1M | $1.9M | $1.6M | $184K | $-12K | -1.11% | 3.66% | 11.91% | 216 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.96% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 32.7% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $243K · commercial $215K · consumer $506K · securities $224K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 81.5% | 14th |
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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