| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.1% | +1.3% | -8.4 pts |
| Share growth (YoY) | -8.6% | +0.7% | -9.3 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.6 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $2.7M | $873K | $562K | $2K | 0.20% | 2.99% | 0.00% | 167 |
| Q4 2025 | $3.4M | $2.8M | $889K | $560K | $2K | 0.07% | 2.81% | 0.00% | 171 |
| Q3 2025 | $3.4M | $2.8M | $945K | $569K | $11K | 0.44% | 3.15% | 0.00% | 173 |
| Q2 2025 | $3.5M | $2.9M | $911K | $566K | $8K | 0.45% | 3.05% | 0.00% | 175 |
| Q1 2025 | $3.5M | $3.0M | $900K | $562K | $4K | 0.41% | 3.01% | 0.00% | 175 |
| Q4 2024 | $3.5M | $3.0M | $849K | $558K | $3K | 0.07% | 2.58% | 0.00% | 176 |
| Q3 2024 | $3.5M | $2.9M | $924K | $576K | $20K | 0.78% | 3.24% | 0.00% | 175 |
| Q2 2024 | $3.6M | $3.0M | $958K | $570K | $15K | 0.81% | 3.10% | 0.00% | 180 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $772K · securities $2.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 81.5% | 75th |
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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