| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.7 pts |
| Loan growth (YoY) | +3.5% | -2.4% | +5.9 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $6.1M | $4.3M | $2.0M | $12K | 0.60% | 3.61% | 0.82% | 942 |
| Q4 2025 | $8.5M | $6.4M | $4.4M | $2.0M | $-26K | -0.31% | 2.51% | 0.14% | 942 |
| Q3 2025 | $8.6M | $6.6M | $4.1M | $2.0M | $-18K | -0.28% | 2.30% | 0.99% | 947 |
| Q2 2025 | $8.5M | $6.4M | $4.0M | $2.0M | $-34K | -0.80% | 2.28% | 1.51% | 947 |
| Q1 2025 | $8.6M | $6.5M | $4.2M | $2.0M | $-18K | -0.86% | 2.19% | 0.34% | 962 |
| Q4 2024 | $9.0M | $6.9M | $4.2M | $2.0M | $6K | 0.07% | 2.97% | 0.77% | 977 |
| Q3 2024 | $9.3M | $7.2M | $4.5M | $2.1M | $53K | 0.76% | 2.92% | 1.26% | 1,001 |
| Q2 2024 | $9.4M | $7.3M | $4.7M | $2.1M | $52K | 1.10% | 3.07% | 2.03% | 1,001 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 81.5% | 55th |
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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