| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.1 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.3M | $977K | $693K | $3K | 0.38% | 4.73% | 1.98% | 492 |
| Q4 2025 | $2.9M | $2.2M | $1.0M | $690K | $-2K | -0.08% | 5.22% | 2.83% | 501 |
| Q3 2025 | $2.9M | $2.2M | $1.1M | $686K | $-6K | -0.29% | 5.17% | 0.19% | 503 |
| Q2 2025 | $3.0M | $2.3M | $1.0M | $677K | $-16K | -1.03% | 4.89% | 2.84% | 505 |
| Q1 2025 | $3.0M | $2.3M | $972K | $669K | $-23K | -3.12% | 5.39% | 0.31% | 503 |
| Q4 2024 | $2.9M | $2.2M | $962K | $692K | $3K | 0.11% | 4.61% | 1.93% | 509 |
| Q3 2024 | $2.9M | $2.2M | $1.0M | $702K | $13K | 0.60% | 4.45% | 4.91% | 510 |
| Q2 2024 | $3.0M | $2.3M | $1.0M | $692K | $3K | 0.18% | 3.92% | 4.20% | 507 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $775K · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 81.5% | 74th |
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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