| Metric | Embers Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.8% | +3.4 pts |
| Share growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +10.0% | +4.3% | +5.7 pts |
| ROA | 0.99% | 0.62% | +0.4 pts |
| ROE | 8.2% | 5.9% | +2.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $612.9M | $539.3M | $383.4M | $73.3M | $1.5M | 0.99% | 3.49% | 0.14% | 33,170 |
| Q4 2025 | $583.6M | $512.0M | $369.9M | $71.7M | $5.1M | 0.88% | 3.38% | 0.26% | 32,332 |
| Q3 2025 | $575.2M | $504.1M | $361.5M | $70.5M | $3.4M | 0.79% | 3.32% | 0.30% | 32,834 |
| Q2 2025 | $568.6M | $501.5M | $356.0M | $68.9M | $1.8M | 0.63% | 3.20% | 0.22% | 32,332 |
| Q1 2025 | $566.5M | $501.7M | $348.5M | $67.9M | $747K | 0.53% | 3.05% | 0.20% | 32,332 |
| Q4 2024 | $548.8M | $490.5M | $341.1M | $67.1M | $2.1M | 0.37% | 2.87% | 0.34% | 32,189 |
| Q3 2024 | $542.2M | $481.4M | $338.9M | $67.1M | $1.5M | 0.37% | 2.83% | 0.42% | 31,807 |
| Q2 2024 | $527.3M | $469.8M | $339.7M | $66.3M | $759K | 0.29% | 2.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Embers Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.62% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 31,807 |
Loan mix (Q1 2026): real estate $85.2M · commercial $143.5M · consumer $130.8M · securities $143.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 78.3% | 37th |
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 | Embers 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 | Embers 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 | Embers 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 | Embers 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.