| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -2.8% | -2.4% | -0.5 pts |
| ROA | -0.06% | 0.60% | -0.7 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.0M | $37.7M | $31.0M | $7.0M | $-7K | -0.06% | 4.61% | 0.38% | 3,840 |
| Q4 2025 | $44.0M | $36.7M | $32.0M | $7.1M | $262K | 0.60% | 4.72% | 0.29% | 3,881 |
| Q3 2025 | $44.9M | $37.6M | $31.9M | $7.1M | $297K | 0.88% | 4.69% | 0.33% | 3,888 |
| Q2 2025 | $44.8M | $37.6M | $31.8M | $7.0M | $204K | 0.91% | 4.70% | 0.31% | 3,883 |
| Q1 2025 | $45.2M | $37.8M | $31.9M | $7.0M | $130K | 1.15% | 4.61% | 0.21% | 3,902 |
| Q4 2024 | $44.6M | $37.5M | $31.5M | $6.8M | $368K | 0.82% | 4.52% | 0.34% | 3,964 |
| Q3 2024 | $45.2M | $38.1M | $31.2M | $6.8M | $370K | 1.09% | 4.49% | 0.49% | 3,972 |
| Q2 2024 | $44.0M | $37.1M | $30.6M | $6.7M | $247K | 1.12% | 4.40% | 0.47% |
| Ratio | Energy Plus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,984 |
Loan mix (Q1 2026): real estate $12.5M · commercial $0 · consumer $17.5M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 81.5% | 67th |
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 Plus 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 Plus 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 Plus 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 Plus 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.