| Metric | Express Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.5% | +1.3% | -19.8 pts |
| Share growth (YoY) | -18.7% | +0.7% | -19.4 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.2 pts |
| ROA | -4.00% | 0.60% | -4.6 pts |
| ROE | -28.9% | 4.1% | -33.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.8M | $19.4M | $15.1M | $3.2M | $-228K | -4.00% | 5.53% | 2.62% | 3,656 |
| Q4 2025 | $24.0M | $20.1M | $15.5M | $3.4M | $1K | 0.01% | 4.28% | 0.96% | 3,672 |
| Q3 2025 | $25.8M | $21.7M | $15.8M | $3.3M | $-40K | -0.21% | 3.75% | 0.81% | 3,825 |
| Q2 2025 | $26.4M | $22.4M | $16.3M | $3.4M | $4K | 0.03% | 3.57% | 0.87% | 3,942 |
| Q1 2025 | $28.0M | $23.8M | $17.0M | $3.4M | $41K | 0.59% | 3.31% | 1.13% | 3,938 |
| Q4 2024 | $27.0M | $23.6M | $18.0M | $3.4M | $67K | 0.25% | 3.85% | 1.40% | 3,972 |
| Q3 2024 | $26.1M | $22.7M | $19.3M | $3.2M | $-131K | -0.67% | 4.14% | 1.18% | 4,215 |
| Q2 2024 | $22.4M | $17.9M | $19.5M | $3.3M | $-17K | -0.15% | 4.77% | 1.02% |
| Ratio | Express Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.00% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -28.9% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,440 |
Loan mix (Q1 2026): real estate $211K · commercial $0 · consumer $14.8M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 147.2% | 81.5% | 97th |
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 | Express 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 | Express 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 | Express 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 | Express 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.