| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.2M | $10.1M | $3.1M | $3.1M | $28K | 0.84% | 4.11% | 0.09% | 1,558 |
| Q4 2025 | $13.2M | $10.1M | $3.1M | $3.1M | $10K | 0.08% | 3.64% | 0.43% | 1,564 |
| Q3 2025 | $13.3M | $10.2M | $3.2M | $3.1M | $10K | 0.10% | 3.71% | 0.02% | 1,569 |
| Q2 2025 | $13.5M | $10.4M | $3.1M | $3.0M | $-1K | -0.02% | 3.57% | 0.07% | 1,584 |
| Q1 2025 | $13.5M | $10.4M | $3.0M | $3.0M | $-9K | -0.27% | 3.43% | 0.10% | 1,580 |
| Q4 2024 | $13.3M | $10.2M | $3.3M | $3.0M | $35K | 0.27% | 3.38% | 2.93% | 1,588 |
| Q3 2024 | $13.5M | $10.4M | $3.4M | $3.1M | $45K | 0.44% | 3.30% | 1.64% | 1,592 |
| Q2 2024 | $14.1M | $11.0M | $3.5M | $3.0M | $34K | 0.49% | 3.11% | 0.66% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Ewa Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,587 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 81.5% | 55th |
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 | Ewa 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 | Ewa 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 | Ewa 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 | Ewa 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.