| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -5.6% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.2 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.8M | $9.7M | $7.3M | $1.1M | $21K | 0.76% | 6.05% | 0.12% | 1,271 |
| Q4 2025 | $10.4M | $9.4M | $7.4M | $1.0M | $81K | 0.77% | 6.34% | 0.71% | 1,271 |
| Q3 2025 | $10.6M | $9.6M | $7.6M | $1.0M | $58K | 0.73% | 6.14% | 0.03% | 1,276 |
| Q2 2025 | $10.9M | $9.8M | $7.6M | $991K | $30K | 0.55% | 5.91% | 0.29% | 1,277 |
| Q1 2025 | $11.4M | $10.3M | $7.6M | $969K | $14K | 0.48% | 5.32% | 0.46% | 1,280 |
| Q4 2024 | $11.5M | $10.5M | $7.9M | $955K | $-164K | -1.42% | 5.03% | 0.47% | 1,286 |
| Q3 2024 | $12.4M | $11.2M | $8.1M | $1.1M | $-59K | -0.64% | 4.56% | 2.70% | 1,287 |
| Q2 2024 | $12.6M | $11.4M | $8.3M | $1.1M | $-81K | -1.28% | 4.34% | 2.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,296 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.7M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 81.5% | 67th |
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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