| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.2 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.5M | $8.1M | $5.7M | $1.4M | $18K | 0.77% | 4.84% | 0.15% | 867 |
| Q4 2025 | $9.5M | $8.0M | $6.1M | $1.4M | $52K | 0.55% | 4.50% | 0.25% | 864 |
| Q3 2025 | $9.5M | $8.1M | $5.9M | $1.4M | $64K | 0.90% | 4.39% | 2.06% | 864 |
| Q2 2025 | $9.8M | $8.4M | $6.0M | $1.4M | $35K | 0.72% | 4.13% | 0.20% | 861 |
| Q1 2025 | $9.5M | $8.1M | $5.9M | $1.4M | $25K | 1.05% | 4.23% | 0.58% | 864 |
| Q4 2024 | $9.3M | $7.9M | $6.0M | $1.4M | $95K | 1.02% | 4.46% | 1.56% | 867 |
| Q3 2024 | $9.3M | $7.9M | $6.1M | $1.3M | $83K | 1.20% | 4.40% | 1.58% | 876 |
| Q2 2024 | $9.2M | $7.8M | $6.1M | $1.3M | $53K | 1.15% | 4.37% | 0.83% | 881 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 81.5% | 57th |
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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