| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +5.6% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.1M | $20.4M | $16.0M | $11.6M | $96K | 1.20% | 3.21% | 1.00% | 2,768 |
| Q4 2025 | $31.4M | $19.9M | $16.4M | $11.5M | $288K | 0.92% | 3.13% | 2.78% | 2,824 |
| Q3 2025 | $31.6M | $20.1M | $16.9M | $11.5M | $236K | 0.99% | 3.06% | 0.84% | 2,890 |
| Q2 2025 | $31.0M | $19.6M | $16.5M | $11.4M | $141K | 0.91% | 3.00% | 0.97% | 2,913 |
| Q1 2025 | $30.7M | $19.4M | $16.1M | $11.3M | $64K | 0.83% | 2.93% | 1.25% | 2,917 |
| Q4 2024 | $30.4M | $19.1M | $16.1M | $11.2M | $186K | 0.61% | 2.73% | 1.46% | 2,920 |
| Q3 2024 | $30.4M | $19.2M | $16.4M | $11.2M | $152K | 0.66% | 2.66% | 1.22% | 2,981 |
| Q2 2024 | $30.2M | $19.1M | $16.8M | $11.1M | $90K | 0.60% | 2.60% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,981 |
Loan mix (Q1 2026): real estate $9.1M · commercial $0 · consumer $6.5M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 81.5% | 15th |
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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