| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.6 pts |
| ROA | -0.94% | 0.60% | -1.5 pts |
| ROE | -4.0% | 4.1% | -8.1 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.9M | $3.0M | $2.4M | $907K | $-9K | -0.94% | 4.51% | 1.33% | 624 |
| Q4 2025 | $3.8M | $2.9M | $2.4M | $916K | $284 | 0.01% | 4.65% | 1.44% | 630 |
| Q3 2025 | $3.7M | $2.8M | $2.5M | $919K | $-3K | -0.13% | 4.72% | 1.87% | 642 |
| Q2 2025 | $3.9M | $3.0M | $2.5M | $920K | $-3K | -0.14% | 4.49% | 1.48% | 648 |
| Q1 2025 | $3.8M | $2.9M | $2.5M | $916K | $-6K | -0.62% | 4.67% | 1.51% | 648 |
| Q4 2024 | $3.6M | $2.7M | $2.6M | $922K | $-35K | -0.95% | 5.21% | 2.72% | 637 |
| Q3 2024 | $3.8M | $2.8M | $2.8M | $946K | $-18K | -0.64% | 5.01% | 2.90% | 640 |
| Q2 2024 | $3.7M | $2.7M | $3.0M | $974K | $11K | 0.58% | 5.17% | 2.36% | 640 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.94% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -4.0% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $440K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.3% | 81.5% | 91th |
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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