| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.4 pts |
| Loan growth (YoY) | -3.5% | -2.6% | -0.9 pts |
| ROA | 1.22% | 0.65% | +0.6 pts |
| ROE | 8.2% | 4.4% | +3.8 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.9M | $24.4M | $15.2M | $4.3M | $176K | 1.22% | 3.58% | 0.66% | 2,304 |
| Q1 2026 | $29.2M | $24.9M | $14.7M | $4.2M | $66K | 0.90% | 3.46% | 0.64% | 2,336 |
| Q4 2025 | $28.3M | $24.0M | $15.1M | $4.1M | $426K | 1.50% | 3.66% | 0.28% | 2,323 |
| Q3 2025 | $27.9M | $23.7M | $15.5M | $4.0M | $341K | 1.63% | 3.72% | 0.51% | 2,322 |
| Q2 2025 | $27.7M | $23.6M | $15.7M | $3.9M | $242K | 1.75% | 3.66% | 0.30% | 2,332 |
| Q1 2025 | $28.1M | $24.2M | $16.0M | $3.8M | $73K | 1.03% | 3.58% | 0.29% | 2,332 |
| Q4 2024 | $27.7M | $23.8M | $15.8M | $3.7M | $406K | 1.47% | 3.34% | 0.21% | 2,307 |
| Q3 2024 | $27.5M | $23.8M | $16.1M | $3.6M | $300K | 1.46% | 3.34% | 0.20% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ecm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,311 |
| Q2 2024 | $27.8M | $24.2M | $15.9M | $3.5M | $195K | 1.40% | 3.21% | 0.23% | 2,290 |
Loan mix (Q2 2026): real estate $0 · commercial $348K · consumer $12.1M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 80.6% | 19th |
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 | Ecm 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 | Ecm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Ecm 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 | Ecm 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 | Ecm 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Madison, MS, ranked 21st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, MS | 1 | $24.4M* | 0.35% | 21st |
Mississippi: 112th with 0.03% · Jackson metro: 37th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1