| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.0 pts |
| Loan growth (YoY) | -11.2% | -2.4% | -8.8 pts |
| ROA | 0.94% | 0.60% | +0.3 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.5M | $11.2M | $4.0M | $1.3M | $30K | 0.94% | 4.77% | 7.72% | 782 |
| Q4 2025 | $12.3M | $11.0M | $4.0M | $1.3M | $42K | 0.34% | 5.08% | 1.81% | 1,139 |
| Q3 2025 | $12.3M | $11.0M | $4.3M | $1.2M | $-22K | -0.24% | 4.97% | 1.09% | 915 |
| Q2 2025 | $12.1M | $10.8M | $4.4M | $1.2M | $-9K | -0.15% | 5.14% | 0.59% | 925 |
| Q1 2025 | $11.8M | $10.5M | $4.5M | $1.3M | $16K | 0.53% | 5.22% | 0.32% | 938 |
| Q4 2024 | $11.8M | $10.5M | $4.6M | $1.2M | $21K | 0.18% | 5.65% | 0.51% | 937 |
| Q3 2024 | $11.7M | $10.4M | $4.6M | $1.3M | $30K | 0.34% | 5.77% | 0.31% | 946 |
| Q2 2024 | $11.5M | $10.2M | $4.9M | $1.3M | $53K | 0.93% | 5.90% | 0.34% | 959 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 81.5% | 53th |
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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