| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +4.8% | +9.4 pts |
| Share growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +15.1% | +4.3% | +10.8 pts |
| ROA | 0.77% | 0.62% | +0.2 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $938.0M | $736.9M | $433.5M | $133.9M | $1.8M | 0.77% | 2.88% | 0.10% | 49,057 |
| Q4 2025 | $919.9M | $720.4M | $426.6M | $132.1M | $10.1M | 1.10% | 2.72% | 0.13% | 56,926 |
| Q3 2025 | $899.8M | $704.8M | $420.4M | $129.5M | $7.3M | 1.09% | 2.70% | 0.16% | 56,606 |
| Q2 2025 | $901.0M | $712.4M | $388.1M | $126.7M | $4.5M | 1.00% | 2.58% | 0.11% | 56,217 |
| Q1 2025 | $821.6M | $698.8M | $376.7M | $123.4M | $1.2M | 0.61% | 2.63% | 0.04% | 56,094 |
| Q4 2024 | $784.2M | $668.0M | $371.6M | $122.2M | $9.8M | 1.24% | 2.77% | 0.15% | 55,790 |
| Q3 2024 | $777.4M | $657.4M | $357.5M | $119.8M | $7.2M | 1.24% | 2.80% | 0.09% | 55,624 |
| Q2 2024 | $745.6M | $662.0M | $354.7M | $117.3M | $4.7M | 1.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.62% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.86% |
| 0.02% |
| 55,447 |
Loan mix (Q1 2026): real estate $245.1M · commercial $29.9M · consumer $112.3M · securities $421.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 78.3% | 41th |
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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