| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 1.25% | 0.69% | +0.6 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $473.1M | $388.4M | $261.2M | $89.6M | $1.5M | 1.25% | 4.07% | 0.63% | 31,290 |
| Q4 2025 | $456.5M | $370.9M | $259.4M | $88.1M | $5.8M | 1.27% | 4.04% | 0.86% | 31,213 |
| Q3 2025 | $447.3M | $364.7M | $258.2M | $86.6M | $4.1M | 1.24% | 4.09% | 0.83% | 31,333 |
| Q2 2025 | $446.5M | $366.1M | $255.7M | $85.1M | $2.7M | 1.21% | 4.04% | 0.63% | 31,466 |
| Q1 2025 | $447.9M | $369.8M | $251.3M | $83.7M | $1.3M | 1.15% | 3.92% | 0.39% | 31,308 |
| Q4 2024 | $424.3M | $349.1M | $250.3M | $82.4M | $5.8M | 1.37% | 3.94% | 0.38% | 31,132 |
| Q3 2024 | $417.9M | $342.1M | $250.4M | $81.7M | $5.0M | 1.60% | 3.96% | 0.48% | 31,203 |
| Q2 2024 | $392.7M | $326.2M | $239.1M | $76.1M | $3.9M | 1.98% | 3.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Earthmover Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 29,462 |
Loan mix (Q1 2026): real estate $111.2M · commercial $17.2M · consumer $131.0M · securities $143.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 78.7% | 26th |
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 | Earthmover 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 | Earthmover 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 | Earthmover 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 | Earthmover 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.