| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.6 pts |
| Loan growth (YoY) | -14.7% | -2.4% | -12.4 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $16.5M | $12.8M | $2.0M | $34K | 0.74% | 3.84% | 0.90% | 1,641 |
| Q4 2025 | $18.4M | $15.8M | $13.8M | $2.0M | $39K | 0.21% | 4.24% | 0.76% | 1,683 |
| Q3 2025 | $18.1M | $15.9M | $13.7M | $2.0M | $56K | 0.42% | 4.30% | 1.75% | 1,643 |
| Q2 2025 | $18.3M | $16.1M | $14.6M | $2.0M | $70K | 0.76% | 4.24% | 2.66% | 1,645 |
| Q1 2025 | $18.9M | $16.8M | $15.0M | $2.0M | $51K | 1.08% | 4.26% | 1.66% | 1,642 |
| Q4 2024 | $17.8M | $15.6M | $15.7M | $2.0M | $233K | 1.31% | 4.49% | 0.56% | 1,682 |
| Q3 2024 | $18.4M | $15.8M | $16.4M | $1.9M | $165K | 1.19% | 4.23% | 0.34% | 1,681 |
| Q2 2024 | $17.8M | $15.9M | $14.9M | $1.8M | $114K | 1.28% | 4.30% | 0.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,654 |
Loan mix (Q1 2026): real estate $116K · commercial $0 · consumer $10.0M · securities $113K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 81.5% | 51th |
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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