| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -3.0% | +0.9% | -4.0 pts |
| Loan growth (YoY) | +11.3% | -2.6% | +13.9 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.7M | $9.8M | $6.9M | $1.8M | $39K | 0.67% | 4.20% | 0.24% | 2,197 |
| Q1 2026 | $11.5M | $9.7M | $6.6M | $1.8M | $16K | 0.57% | 4.26% | 0.50% | 2,174 |
| Q4 2025 | $11.7M | $9.8M | $6.7M | $1.8M | $120K | 1.03% | 4.62% | 0.20% | 2,167 |
| Q3 2025 | $11.7M | $9.8M | $6.3M | $1.9M | $86K | 0.99% | 4.78% | 0.22% | 2,129 |
| Q2 2025 | $12.0M | $10.1M | $6.2M | $1.9M | $61K | 1.01% | 4.63% | 0.21% | 2,142 |
| Q1 2025 | $11.3M | $9.5M | $6.7M | $1.8M | $39K | 1.39% | 4.86% | 0.15% | 2,148 |
| Q4 2024 | $11.4M | $9.6M | $6.9M | $1.8M | $102K | 0.89% | 4.40% | 0.20% | 2,164 |
| Q3 2024 | $10.9M | $9.1M | $6.8M | $1.8M | $54K | 0.66% | 4.31% | 0.01% | 2,113 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Em Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.9M | $9.2M | $7.1M | $1.7M | $31K | 0.57% | 4.09% | 0.02% | 2,103 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.9M · securities $3.8M
65th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 80.6% | 58th |
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 | Em 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 | Em 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 | Em 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 | Em 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 | Em 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Maricopa, AZ, ranked 88th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maricopa, AZ | 2 | $9.8M* | 0.00% | 88th |
Arizona: 108th with 0.00% · Phoenix-Mesa-Chandler metro: 91st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2