| Metric | eCU Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.6 pts |
| Loan growth (YoY) | +20.0% | -2.4% | +22.3 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.9M | $29.7M | $14.3M | $6.0M | $8K | 0.09% | 3.67% | 0.86% | 2,336 |
| Q4 2025 | $35.4M | $29.1M | $13.9M | $6.0M | $172K | 0.49% | 4.09% | 0.66% | 2,379 |
| Q3 2025 | $35.7M | $29.3M | $13.2M | $5.9M | $157K | 0.59% | 4.09% | 0.73% | 2,413 |
| Q2 2025 | $36.0M | $29.8M | $12.6M | $5.9M | $119K | 0.66% | 4.06% | 0.79% | 2,450 |
| Q1 2025 | $36.2M | $30.0M | $11.9M | $5.8M | $54K | 0.59% | 3.99% | 1.16% | 2,484 |
| Q4 2024 | $36.4M | $30.3M | $12.2M | $5.8M | $218K | 0.60% | 3.90% | 2.94% | 2,531 |
| Q3 2024 | $36.7M | $30.6M | $11.6M | $5.7M | $183K | 0.66% | 3.87% | 0.76% | 2,580 |
| Q2 2024 | $36.9M | $30.8M | $11.7M | $5.7M | $121K | 0.65% | 3.83% | 1.19% |
| Ratio | eCU Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,626 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $12.1M · securities $17.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 81.5% | 77th |
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 | eCU 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 | eCU 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 | eCU 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 | eCU 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.