| Metric | Empeople Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.4 pts |
| Loan growth (YoY) | +4.4% | +5.4% | -1.0 pts |
| ROA | 0.80% | 0.71% | +0.1 pts |
| ROE | 10.0% | 6.3% | +3.7 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.28B | $2.07B | $1.93B | $183.6M | $4.6M | 0.80% | 2.91% | 0.47% | 73,975 |
| Q4 2025 | $2.28B | $2.07B | $1.93B | $179.1M | $11.0M | 0.48% | 2.73% | 0.54% | 76,715 |
| Q3 2025 | $2.20B | $1.92B | $1.92B | $175.7M | $7.0M | 0.43% | 2.78% | 0.68% | 77,135 |
| Q2 2025 | $2.14B | $1.94B | $1.89B | $174.0M | $5.3M | 0.50% | 2.82% | 0.66% | 76,447 |
| Q1 2025 | $2.18B | $1.98B | $1.85B | $171.4M | $2.7M | 0.50% | 2.75% | 0.48% | 76,583 |
| Q4 2024 | $2.25B | $2.05B | $1.86B | $168.7M | $5.2M | 0.23% | 2.06% | 0.61% | 77,317 |
| Q3 2024 | $1.95B | $1.76B | $1.71B | $168.1M | $4.0M | 0.27% | 2.31% | 0.74% | 72,658 |
| Q2 2024 | $1.97B | $1.77B | $1.70B | $167.5M | $3.4M | 0.34% | 2.27% |
| Ratio | Empeople Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.71% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 6.3% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 72,931 |
Loan mix (Q1 2026): real estate $1.33B · commercial $140.6M · consumer $420.2M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 73.0% | 60th |
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 | Empeople 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 | Empeople 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 | Empeople 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 | Empeople 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.