| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $74.6M | $68.3M | $39.3M | $6.0M | $87K | 0.47% | 3.53% | 1.27% | 4,087 |
| Q4 2025 | $71.9M | $66.2M | $39.2M | $6.0M | $128K | 0.18% | 3.27% | 1.36% | 4,156 |
| Q3 2025 | $72.3M | $67.0M | $39.5M | $5.9M | $61K | 0.11% | 3.13% | 0.90% | 4,210 |
| Q2 2025 | $74.0M | $69.0M | $40.5M | $5.9M | $41K | 0.11% | 3.07% | 0.98% | 4,264 |
| Q1 2025 | $74.3M | $69.4M | $40.9M | $5.9M | $34K | 0.18% | 3.09% | 1.05% | 4,318 |
| Q4 2024 | $70.7M | $65.8M | $41.5M | $5.9M | $157K | 0.22% | 3.23% | 0.91% | 4,372 |
| Q3 2024 | $73.7M | $66.7M | $42.3M | $5.8M | $99K | 0.18% | 3.06% | 0.53% | 4,473 |
| Q2 2024 | $75.0M | $68.3M | $42.6M | $5.8M | $60K | 0.16% | 2.98% | 0.18% |
| Ratio | Ep Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,475 |
Loan mix (Q1 2026): real estate $26.7M · commercial $0 · consumer $12.3M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 81.5% | 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 | Ep Federal 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 | Ep Federal 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 | Ep Federal 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 | Ep Federal 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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