| Metric | eCU Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -7.0% | +0.9% | -7.9 pts |
| Loan growth (YoY) | +17.7% | -2.6% | +20.4 pts |
| ROA | -0.03% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.6 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.1M | $27.8M | $14.8M | $5.9M | $-5K | -0.03% | 3.88% | 0.56% | 2,284 |
| 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% |
| Ratio | eCU Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,580 |
| Q2 2024 | $36.9M | $30.8M | $11.7M | $5.7M | $121K | 0.65% | 3.83% | 1.19% | 2,626 |
Loan mix (Q2 2026): real estate $2.3M · commercial $0 · consumer $12.4M · securities $15.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 80.6% | 81st |
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 |
|---|---|---|---|---|
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 | 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.
2 branches in 2 counties across 2 states (-1 vs 2025). Biggest market: Montgomery, TX, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, TX | 1 | $13.9M* | 0.07% | 43rd |
| Pinellas, FL | 1 | $13.9M* | 0.02% | 46th |
Florida: 309th with 0.00% · Texas: 772nd with 0.00% · Houston-Pasadena-The Woodlands metro: 175th, 0.00% · Tampa-St. Petersburg-Clearwater metro: 87th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2