| Metric | Westacres Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.9M | $5.9M | $1.2M | $950K | $6K | 0.36% | 1.77% | 0.00% | 566 |
| Q4 2025 | $6.9M | $5.8M | $1.2M | $944K | $11K | 0.16% | 1.94% | 0.00% | 569 |
| Q3 2025 | $7.1M | $6.0M | $1.4M | $985K | $52K | 0.98% | 2.28% | 1.91% | 587 |
| Q2 2025 | $6.9M | $5.9M | $1.2M | $965K | $32K | 0.94% | 2.28% | 0.00% | 571 |
| Q1 2025 | $7.0M | $6.0M | $1.3M | $947K | $14K | 0.81% | 2.17% | 0.00% | 586 |
| Q4 2024 | $7.0M | $5.9M | $1.3M | $933K | $7K | 0.11% | 1.54% | 0.00% | 584 |
| Q3 2024 | $6.9M | $5.9M | $1.5M | $948K | $23K | 0.44% | 1.69% | 0.00% | 593 |
| Q2 2024 | $7.0M | $6.0M | $1.4M | $940K | $15K | 0.42% | 1.65% | 0.00% | 583 |
Loan mix (Q1 2026): real estate $186K · commercial $0 · consumer $712K · securities $4.5M
| Ratio | Westacres Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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 | Westacres Credit Union | 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 | Westacres Credit Union | 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 | Westacres Credit Union | 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 | Westacres Credit Union | 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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