| Metric | Empeople Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.3% | +0.5 pts |
| Share growth (YoY) | +5.7% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +3.9% | +5.7% | -1.8 pts |
| ROA | 0.74% | 0.80% | -0.1 pts |
| ROE | 8.9% | 7.4% | +1.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.26B | $2.05B | $1.97B | $187.4M | $8.4M | 0.74% | 2.94% | 0.59% | 74,228 |
| 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% |
| Ratio | Empeople Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.80% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 7.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.38% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 72,658 |
| Q2 2024 | $1.97B | $1.77B | $1.70B | $167.5M | $3.4M | 0.34% | 2.27% | 0.54% | 72,931 |
Loan mix (Q2 2026): real estate $1.36B · commercial $139.0M · consumer $424.6M · securities $37.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 71.9% | 68th |
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 |
|---|---|---|---|---|
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 | 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.
35 branches in 15 counties across 7 states (+1 vs 2025). Biggest market: Black Hawk, IA, ranked 4th with 6.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Black Hawk, IA | 7 | $409.3M* | 6.19% | 4th |
| Cumberland, ME | 4 | $233.9M* | 1.18% | 17th |
| Rock Island, IL | 4 | $233.9M* | 4.31% | 5th |
| 12 more counties with Pro → | ||||
Iowa: 44th with 0.44% · Maine: 35th with 0.60% · Wisconsin: 127th with 0.11% · Illinois: 235th with 0.03% · North Carolina: 84th with 0.02% · North Dakota: 49th with 0.36% · Georgia: 186th with 0.03% · Waterloo-Cedar Falls metro: 6th, 4.64% · Davenport-Moline-Rock Island metro: 17th, 1.91% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 31 · 2023 32 · 2024 31 · 2025 34 · 2026 35
Ranked #960 of 1,476 lenders in FY2022 — an active SBA 7(a) lender.
Year-by-year volume and rank, loan size and pricing, top states and industries, and charge-offs by vintage are part of CharterBench Pro.
7(a) approvals net of cancellations, attributed to the lender named in the SBA’s file. 504 loans are made through certified development companies and are not included. All SBA lenders →
Ranked #707 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →