| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.7 pts |
| Loan growth (YoY) | -7.4% | -2.4% | -5.0 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.2M | $6.1M | $3.8M | $1.0M | $3K | 0.19% | 3.76% | 0.00% | 873 |
| Q4 2025 | $6.9M | $5.9M | $4.1M | $1.0M | $18K | 0.26% | 4.06% | 0.49% | 885 |
| Q3 2025 | $6.9M | $5.8M | $4.1M | $1.0M | $17K | 0.32% | 4.13% | 0.21% | 895 |
| Q2 2025 | $6.8M | $5.8M | $4.1M | $1.0M | $13K | 0.40% | 4.16% | 0.04% | 913 |
| Q1 2025 | $6.9M | $5.8M | $4.2M | $1.0M | $11K | 0.62% | 4.10% | 0.03% | 910 |
| Q4 2024 | $6.9M | $5.8M | $4.2M | $1.0M | $36K | 0.52% | 4.40% | 0.00% | 927 |
| Q3 2024 | $7.1M | $6.1M | $4.1M | $1.0M | $37K | 0.70% | 4.25% | 0.14% | 953 |
| Q2 2024 | $7.3M | $6.3M | $4.1M | $1.0M | $23K | 0.64% | 4.11% | 0.40% | 960 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $2.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.4% | 81.5% | 85th |
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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