| Metric | Employees Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.1% | +3.0 pts |
| Share growth (YoY) | +7.0% | +3.5% | +3.5 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -5.9 pts |
| ROA | 1.61% | 0.74% | +0.9 pts |
| ROE | 8.5% | 6.5% | +2.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.4M | $164.1M | $87.8M | $38.6M | $1.6M | 1.61% | 2.77% | 3.25% | 9,171 |
| Q1 2026 | $200.2M | $161.8M | $88.4M | $37.6M | $694K | 1.39% | 2.73% | 3.60% | 9,142 |
| Q4 2025 | $195.2M | $157.6M | $88.9M | $36.9M | $2.4M | 1.25% | 2.55% | 2.88% | 9,122 |
| Q3 2025 | $190.1M | $152.8M | $89.3M | $36.6M | $2.1M | 1.49% | 2.74% | 3.62% | 9,122 |
| Q2 2025 | $189.9M | $153.3M | $90.5M | $35.9M | $1.4M | 1.43% | 2.65% | 3.44% | 9,090 |
| Q1 2025 | $183.9M | $147.9M | $89.6M | $35.3M | $748K | 1.63% | 2.72% | 3.00% | 9,025 |
| Q4 2024 | $174.1M | $138.9M | $90.1M | $34.5M | $2.3M | 1.32% | 2.55% | 3.80% | 8,973 |
| Q3 2024 | $168.8M | $133.8M | $90.7M | $34.4M | $2.2M | 1.71% | 2.78% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Employees Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.74% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.5% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 3.48% |
| 8,962 |
| Q2 2024 | $166.3M | $132.2M | $89.4M | $33.5M | $1.3M | 1.57% | 2.76% | 2.23% | 8,901 |
Loan mix (Q2 2026): real estate $24.3M · commercial $3.4M · consumer $60.0M · securities $99.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.6% | 77.5% | 1st |
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 | Employees 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 | Employees 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 | Employees 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 | Employees 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 | Employees 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: Emmet, IA, ranked 2nd with 30.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Emmet, IA | 2 | $164.1M* | 30.68% | 2nd |
Iowa: 184th with 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2