| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.4 pts |
| ROA | -0.64% | 0.60% | -1.2 pts |
| ROE | -3.8% | 4.1% | -7.9 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.9M | $23.6M | $4.8M | $4.6M | $-45K | -0.64% | 2.54% | 0.44% | 1,408 |
| Q4 2025 | $27.7M | $23.3M | $5.2M | $4.7M | $-336K | -1.21% | 2.29% | 1.16% | 1,525 |
| Q3 2025 | $28.0M | $23.7M | $5.4M | $4.8M | $-323K | -1.54% | 2.11% | 2.88% | 1,544 |
| Q2 2025 | $27.5M | $23.3M | $5.5M | $4.9M | $-274K | -2.00% | 2.10% | 2.16% | 1,512 |
| Q1 2025 | $27.5M | $23.4M | $5.3M | $5.0M | $-212K | -3.08% | 1.95% | 2.90% | 1,544 |
| Q4 2024 | $28.2M | $23.8M | $5.8M | $5.2M | $-244K | -0.87% | 1.87% | 5.42% | 1,501 |
| Q3 2024 | $28.7M | $24.2M | $5.9M | $5.3M | $-193K | -0.90% | 1.89% | 3.76% | 1,540 |
| Q2 2024 | $28.5M | $24.6M | $6.0M | $5.4M | $-58K | -0.41% | 1.92% | 4.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.64% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.8% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,540 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 81.5% | 67th |
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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