| Metric | Energy Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.0 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | +2.9% | +2.9% | +0.0 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 3.3% | 5.9% | -2.6 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.1M | $107.5M | $88.8M | $21.5M | $179K | 0.56% | 2.96% | 0.38% | 5,616 |
| Q4 2025 | $124.4M | $102.8M | $87.6M | $21.4M | $546K | 0.44% | 3.00% | 1.40% | 5,620 |
| Q3 2025 | $127.8M | $106.2M | $85.8M | $21.3M | $521K | 0.54% | 2.89% | 0.41% | 5,818 |
| Q2 2025 | $128.2M | $106.9M | $85.5M | $21.2M | $350K | 0.55% | 2.82% | 2.23% | 5,830 |
| Q1 2025 | $130.4M | $109.8M | $86.2M | $21.0M | $177K | 0.54% | 2.75% | 1.12% | 5,804 |
| Q4 2024 | $131.3M | $111.1M | $86.9M | $20.8M | $552K | 0.42% | 2.80% | 1.44% | 5,811 |
| Q3 2024 | $131.6M | $111.0M | $87.9M | $20.7M | $400K | 0.41% | 2.81% | 1.38% | 5,891 |
| Q2 2024 | $128.8M | $108.8M | $86.4M | $20.6M | $317K | 0.49% | 2.88% |
| Ratio | Energy Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 5,935 |
Loan mix (Q1 2026): real estate $68.2M · commercial $0 · consumer $19.3M · securities $18.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 78.7% | 64th |
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 | Energy 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 | Energy 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 | Energy 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 | Energy 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.