| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.2% | +0.7% | -4.9 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.4M | $23.5M | $1.8M | $4.9M | $6K | 0.08% | 1.31% | 0.16% | 846 |
| Q4 2025 | $27.7M | $22.8M | $2.0M | $4.9M | $33K | 0.12% | 1.42% | 0.94% | 876 |
| Q3 2025 | $27.3M | $22.4M | $2.0M | $4.9M | $36K | 0.18% | 1.46% | 2.50% | 880 |
| Q2 2025 | $27.7M | $22.8M | $2.1M | $4.9M | $23K | 0.17% | 1.47% | 2.47% | 888 |
| Q1 2025 | $29.4M | $24.5M | $1.9M | $4.8M | $10K | 0.14% | 1.39% | 2.20% | 918 |
| Q4 2024 | $29.6M | $24.8M | $1.8M | $4.8M | $30K | 0.10% | 1.30% | 2.34% | 934 |
| Q3 2024 | $30.2M | $25.3M | $1.7M | $4.8M | $29K | 0.13% | 1.28% | 2.26% | 944 |
| Q2 2024 | $31.2M | $26.4M | $1.7M | $4.8M | $18K | 0.12% | 1.24% | 2.40% | 951 |
| Ratio | Eqt Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 81.5% | 76th |
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 | Eqt 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 | Eqt 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 | Eqt 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 | Eqt 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% |
The full ratio pack is part of CharterBench Pro.