| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.9% | +0.8 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | +11.5% | +2.9% | +8.6 pts |
| ROA | 0.20% | 0.69% | -0.5 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152.0M | $136.8M | $120.5M | $13.8M | $74K | 0.20% | 3.14% | 0.02% | 7,349 |
| Q4 2025 | $147.5M | $132.5M | $116.1M | $13.7M | $1.1M | 0.77% | 3.11% | 0.20% | 8,420 |
| Q3 2025 | $144.5M | $129.6M | $109.4M | $13.5M | $914K | 0.84% | 3.12% | 0.12% | 8,309 |
| Q2 2025 | $142.1M | $127.4M | $108.2M | $13.4M | $783K | 1.10% | 3.13% | 0.07% | 8,240 |
| Q1 2025 | $145.2M | $131.2M | $108.0M | $12.9M | $273K | 0.75% | 2.94% | 0.04% | 8,162 |
| Q4 2024 | $137.8M | $124.0M | $107.8M | $12.6M | $587K | 0.43% | 3.00% | 0.09% | 8,087 |
| Q3 2024 | $135.1M | $121.4M | $101.0M | $12.4M | $317K | 0.31% | 2.99% | 0.12% | 8,047 |
| Q2 2024 | $135.4M | $121.7M | $99.6M | $12.2M | $180K | 0.27% | 2.94% |
| Ratio | 4U Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 8,071 |
Loan mix (Q1 2026): real estate $41.5M · commercial $10.2M · consumer $55.6M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 78.7% | 94th |
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 | 4U Federal 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 | 4U Federal 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 | 4U Federal 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 | 4U Federal 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.