| Metric | 1St Ed Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.9% | -4.5 pts |
| Share growth (YoY) | -1.7% | +3.3% | -5.0 pts |
| Loan growth (YoY) | -3.8% | +2.9% | -6.7 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 2.6% | 5.9% | -3.3 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $139.8M | $118.6M | $43.7M | $21.8M | $142K | 0.41% | 2.50% | 0.51% | 7,068 |
| Q4 2025 | $138.8M | $118.1M | $43.6M | $21.6M | $492K | 0.35% | 2.40% | 0.00% | 7,046 |
| Q3 2025 | $139.1M | $118.5M | $44.6M | $21.5M | $340K | 0.33% | 2.35% | 0.02% | 7,053 |
| Q2 2025 | $139.7M | $120.2M | $44.8M | $21.3M | $173K | 0.25% | 2.28% | 0.00% | 7,088 |
| Q1 2025 | $140.6M | $120.7M | $45.5M | $21.2M | $42K | 0.12% | 2.21% | 0.04% | 7,058 |
| Q4 2024 | $138.3M | $119.5M | $47.4M | $21.1M | $315K | 0.23% | 2.21% | 0.20% | 7,164 |
| Q3 2024 | $137.0M | $117.8M | $48.8M | $21.1M | $258K | 0.25% | 2.20% | 0.22% | 7,581 |
| Q2 2024 | $137.1M | $119.8M | $49.4M | $21.0M | $164K | 0.24% | 2.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | 1St Ed Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 7,615 |
Loan mix (Q1 2026): real estate $29.4M · commercial $0 · consumer $12.8M · securities $80.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 78.7% | 74th |
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 | 1St Ed 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 | 1St Ed 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 | 1St Ed 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 | 1St Ed 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% |
The full ratio pack is part of CharterBench Pro.