| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.3 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | -12.2% | -2.4% | -9.9 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $801K | $488K | $507K | $308K | $2K | 1.09% | 8.18% | 0.62% | 333 |
| Q4 2025 | $783K | $475K | $539K | $306K | $11K | 1.35% | 9.02% | 0.47% | 347 |
| Q3 2025 | $809K | $499K | $526K | $304K | $9K | 1.47% | 8.87% | 0.31% | 345 |
| Q2 2025 | $830K | $502K | $562K | $301K | $5K | 1.29% | 8.62% | 0.18% | 402 |
| Q1 2025 | $843K | $504K | $578K | $299K | $4K | 1.80% | 8.15% | 0.59% | 402 |
| Q4 2024 | $833K | $482K | $582K | $295K | $4K | 0.47% | 8.04% | 1.35% | 367 |
| Q3 2024 | $799K | $500K | $571K | $294K | $1K | 0.23% | 8.25% | 1.53% | 366 |
| Q2 2024 | $786K | $489K | $521K | $294K | $839 | 0.21% | 8.21% | 1.76% | 375 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $495K · securities $136K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 81.5% | 59th |
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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