| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.4 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | -0.03% | 0.60% | -0.6 pts |
| ROE | -0.5% | 4.1% | -4.6 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.1M | $41.0M | $20.5M | $3.0M | $-4K | -0.03% | 3.80% | 2.44% | 8,036 |
| Q4 2025 | $43.7M | $40.6M | $21.4M | $3.1M | $243K | 0.56% | 3.60% | 2.72% | 8,064 |
| Q3 2025 | $43.8M | $40.8M | $21.4M | $3.0M | $181K | 0.55% | 3.57% | 1.26% | 8,501 |
| Q2 2025 | $45.9M | $42.0M | $21.3M | $2.9M | $134K | 0.58% | 3.20% | 1.11% | 8,483 |
| Q1 2025 | $45.0M | $42.2M | $20.8M | $2.8M | $30K | 0.27% | 3.14% | 0.87% | 8,547 |
| Q4 2024 | $44.3M | $41.7M | $20.8M | $2.8M | $-185K | -0.42% | 2.92% | 1.17% | 8,553 |
| Q3 2024 | $45.4M | $42.8M | $20.6M | $2.8M | $-202K | -0.59% | 2.80% | 1.12% | 8,877 |
| Q2 2024 | $48.3M | $44.2M | $19.8M | $2.9M | $-65K | -0.27% | 2.59% | 2.04% |
| Ratio | Edu Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,867 |
Loan mix (Q1 2026): real estate $3.3M · commercial $0 · consumer $16.6M · securities $18.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 81.5% | 73th |
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 | Edu 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 | Edu 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 | Edu 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 | Edu 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.