| Metric | Employees Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +3.9% | +4.9 pts |
| Share growth (YoY) | +9.4% | +3.3% | +6.1 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.3 pts |
| ROA | 1.39% | 0.69% | +0.7 pts |
| ROE | 7.4% | 5.9% | +1.4 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 3.48% | 8,962 |
| Q2 2024 | $166.3M | $132.2M | $89.4M | $33.5M | $1.3M | 1.57% | 2.76% |
| Ratio | Employees Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.23% |
| 8,901 |
Loan mix (Q1 2026): real estate $24.5M · commercial $3.7M · consumer $60.2M · securities $95.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 78.7% | 1th |
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 |
|---|---|---|---|---|
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% |
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