| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.0 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.1M | $9.6M | $5.3M | $1.5M | $13K | 0.47% | 3.58% | 0.18% | 1,253 |
| Q4 2025 | $10.6M | $9.1M | $5.7M | $1.4M | $67K | 0.63% | 3.74% | 0.38% | 1,255 |
| Q3 2025 | $10.6M | $9.1M | $5.5M | $1.4M | $53K | 0.66% | 3.69% | 0.04% | 1,265 |
| Q2 2025 | $10.9M | $9.4M | $5.6M | $1.4M | $27K | 0.50% | 3.49% | 0.04% | 1,282 |
| Q1 2025 | $10.9M | $9.5M | $5.5M | $1.4M | $13K | 0.49% | 3.42% | 0.00% | 1,679 |
| Q4 2024 | $10.9M | $9.5M | $5.4M | $1.4M | $56K | 0.51% | 3.27% | 0.00% | 1,283 |
| Q3 2024 | $10.8M | $9.3M | $5.5M | $1.4M | $48K | 0.59% | 3.26% | 0.01% | 1,294 |
| Q2 2024 | $11.1M | $9.7M | $5.6M | $1.3M | $23K | 0.41% | 3.04% | 0.01% | 1,300 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.1M · commercial $43K · consumer $3.8M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 81.5% | 66th |
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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