| Metric | Eco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.9% | +0.9 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +8.5% | +2.9% | +5.6 pts |
| ROA | 0.37% | 0.69% | -0.3 pts |
| ROE | 3.2% | 5.9% | -2.8 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $194.4M | $179.8M | $99.0M | $22.5M | $178K | 0.37% | 3.04% | 0.82% | 14,871 |
| Q4 2025 | $187.9M | $175.2M | $99.3M | $22.3M | $755K | 0.40% | 3.00% | 0.82% | 14,830 |
| Q3 2025 | $188.1M | $175.4M | $96.5M | $22.1M | $520K | 0.37% | 2.94% | 0.55% | 16,268 |
| Q2 2025 | $186.1M | $175.6M | $92.1M | $21.8M | $253K | 0.27% | 2.89% | 0.65% | 16,278 |
| Q1 2025 | $185.4M | $175.4M | $91.2M | $21.7M | $110K | 0.24% | 2.86% | 0.58% | 16,261 |
| Q4 2024 | $181.4M | $172.0M | $91.9M | $21.6M | $586K | 0.32% | 2.79% | 0.71% | 16,269 |
| Q3 2024 | $186.3M | $175.9M | $92.5M | $22.3M | $455K | 0.33% | 2.66% | 0.50% | 16,291 |
| Q2 2024 | $185.4M | $177.3M | $93.8M | $22.2M | $378K | 0.41% | 2.61% |
| Ratio | Eco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 16,291 |
Loan mix (Q1 2026): real estate $58.9M · commercial $0 · consumer $37.4M · securities $55.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 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 | Eco 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 | Eco 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 | Eco 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 | Eco 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.