| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +1.3% | +8.7 pts |
| Share growth (YoY) | +13.1% | +0.7% | +12.4 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.8 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.5M | $8.5M | $5.7M | $3.0M | $33K | 1.14% | 2.54% | 0.00% | 897 |
| Q4 2025 | $11.5M | $8.5M | $5.6M | $3.0M | $66K | 0.57% | 1.96% | 0.00% | 878 |
| Q3 2025 | $11.3M | $8.3M | $5.6M | $3.0M | $109K | 1.28% | 2.56% | 0.04% | 886 |
| Q2 2025 | $10.6M | $7.6M | $5.6M | $3.0M | $68K | 1.29% | 2.64% | 0.04% | 895 |
| Q1 2025 | $10.5M | $7.5M | $5.4M | $2.9M | $31K | 1.18% | 2.52% | 0.16% | 913 |
| Q4 2024 | $10.5M | $7.6M | $5.4M | $2.9M | $65K | 0.62% | 2.12% | 0.04% | 933 |
| Q3 2024 | $10.2M | $7.4M | $5.4M | $2.9M | $39K | 0.51% | 2.09% | 0.05% | 972 |
| Q2 2024 | $10.0M | $7.1M | $5.3M | $2.9M | $24K | 0.49% | 2.05% | 0.05% | 990 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 81.5% | 8th |
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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