| Metric | E-Central Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +0.6% | +3.3% | -2.7 pts |
| Loan growth (YoY) | -9.6% | +2.9% | -12.6 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $174.5M | $132.3M | $113.0M | $40.3M | $286K | 0.65% | 3.91% | 0.84% | 8,834 |
| Q4 2025 | $174.5M | $132.3M | $114.5M | $40.1M | $1.6M | 0.92% | 4.15% | 0.64% | 8,963 |
| Q3 2025 | $175.6M | $133.4M | $118.2M | $39.9M | $1.4M | 1.03% | 4.11% | 0.67% | 9,102 |
| Q2 2025 | $175.4M | $133.8M | $119.0M | $39.4M | $912K | 1.04% | 4.10% | 0.50% | 9,169 |
| Q1 2025 | $172.9M | $131.5M | $125.0M | $38.9M | $450K | 1.04% | 4.06% | 2.38% | 9,322 |
| Q4 2024 | $169.2M | $128.2M | $129.5M | $38.6M | $1.9M | 1.12% | 4.50% | 2.58% | 9,462 |
| Q3 2024 | $170.4M | $129.8M | $131.4M | $38.3M | $1.6M | 1.22% | 4.47% | 0.60% | 9,619 |
| Q2 2024 | $171.5M | $131.2M | $133.7M | $38.7M | $917K | 1.07% | 4.43% |
| Ratio | E-Central Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 9,765 |
Loan mix (Q1 2026): real estate $34.5M · commercial $69.1M · consumer $8.7M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 78.7% | 75th |
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 | E-Central 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 | E-Central 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 | E-Central 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 | E-Central 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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