| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Share growth (YoY) | +1.7% | +4.9% | -3.1 pts |
| Loan growth (YoY) | -4.0% | +5.4% | -9.4 pts |
| ROA | 0.77% | 0.71% | +0.1 pts |
| ROE | 6.4% | 6.3% | +0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.25B | $1.10B | $805.3M | $151.1M | $2.4M | 0.77% | 3.45% | 0.14% | 61,429 |
| Q4 2025 | $1.25B | $1.09B | $817.2M | $148.6M | $10.6M | 0.85% | 3.31% | 0.23% | 61,337 |
| Q3 2025 | $1.23B | $1.08B | $823.6M | $146.4M | $8.4M | 0.91% | 3.33% | 0.24% | 60,965 |
| Q2 2025 | $1.22B | $1.08B | $831.2M | $144.2M | $6.1M | 1.00% | 3.32% | 0.19% | 60,619 |
| Q1 2025 | $1.22B | $1.08B | $838.8M | $140.1M | $1.6M | 0.51% | 3.29% | 0.25% | 60,476 |
| Q4 2024 | $1.21B | $1.07B | $839.2M | $138.5M | $7.8M | 0.65% | 3.21% | 0.32% | 60,033 |
| Q3 2024 | $1.20B | $1.06B | $851.2M | $136.4M | $5.7M | 0.63% | 3.19% | 0.29% | 60,144 |
| Q2 2024 | $1.21B | $1.07B | $863.2M | $134.1M | $3.4M | 0.56% | 3.09% |
| Ratio | 1St United Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.71% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 6.3% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 60,144 |
Loan mix (Q1 2026): real estate $471.7M · commercial $0 · consumer $332.6M · securities $304.5M
58th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 73.0% | 63th |
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 United 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 United 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 United 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 United 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.