| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -7.8% | +0.7% | -8.4 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.4 pts |
| ROA | 1.77% | 0.60% | +1.2 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.4M | $2.8M | $1.0M | $24K | 1.77% | 4.67% | 1.32% | 1,045 |
| Q4 2025 | $5.5M | $4.5M | $2.8M | $1.0M | $75K | 1.35% | 5.10% | 2.04% | 1,074 |
| Q3 2025 | $5.6M | $4.5M | $2.8M | $1.0M | $80K | 1.91% | 5.09% | 1.00% | 1,084 |
| Q2 2025 | $5.8M | $4.7M | $2.8M | $1.0M | $68K | 2.35% | 4.85% | 1.49% | 1,067 |
| Q1 2025 | $5.8M | $4.8M | $2.8M | $974K | $28K | 1.92% | 4.91% | 1.29% | 1,068 |
| Q4 2024 | $5.8M | $4.8M | $2.9M | $946K | $93K | 1.60% | 4.27% | 1.10% | 1,079 |
| Q3 2024 | $5.7M | $4.8M | $3.0M | $879K | $25K | 0.59% | 4.27% | 1.27% | 1,072 |
| Q2 2024 | $5.7M | $4.8M | $3.0M | $861K | $8K | 0.27% | 4.06% | 1.44% | 1,075 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 81.5% | 23th |
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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