| Metric | Essential Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +8.4% | +2.9% | +5.4 pts |
| ROA | 0.48% | 0.69% | -0.2 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $429.8M | $370.2M | $343.6M | $38.9M | $518K | 0.48% | 3.76% | 1.12% | 31,118 |
| Q4 2025 | $419.1M | $364.2M | $333.2M | $38.3M | $219K | 0.05% | 3.37% | 1.68% | 30,534 |
| Q3 2025 | $414.1M | $356.0M | $329.0M | $38.3M | $-1.1M | -0.34% | 3.21% | 1.32% | 36,811 |
| Q2 2025 | $400.8M | $358.6M | $316.6M | $38.8M | $-521K | -0.26% | 3.07% | 1.76% | 36,811 |
| Q1 2025 | $398.4M | $361.4M | $317.1M | $32.0M | $-403K | -0.40% | 3.04% | 0.89% | 43,072 |
| Q4 2024 | $391.0M | $344.8M | $315.3M | $33.2M | $-2.7M | -0.69% | 3.06% | 1.11% | 43,011 |
| Q3 2024 | $387.6M | $340.4M | $314.7M | $35.6M | $-894K | -0.31% | 3.08% | 0.75% | 45,464 |
| Q2 2024 | $380.7M | $336.3M | $310.0M | $36.3M | $-273K | -0.14% |
| Ratio | Essential Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.14% |
| 0.86% |
| 45,286 |
Loan mix (Q1 2026): real estate $112.2M · commercial $12.8M · consumer $185.2M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 78.7% | 72th |
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 | Essential 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 | Essential 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 | Essential 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 | Essential 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.