| Metric | Fedco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.1% | +0.7% | +5.5 pts |
| Loan growth (YoY) | +9.8% | -2.4% | +12.1 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.0M | $6.2M | $2.0M | $773K | $1K | 0.06% | 0.47% | 0.00% | 400 |
| Q4 2025 | $6.7M | $5.9M | $2.0M | $772K | $44K | 0.66% | 0.93% | 0.10% | 411 |
| Q3 2025 | $6.6M | $5.9M | $1.8M | $767K | $40K | 0.80% | 1.05% | 0.00% | 411 |
| Q2 2025 | $6.7M | $6.0M | $1.8M | $746K | $18K | 0.54% | 0.81% | 0.00% | 398 |
| Q1 2025 | $6.6M | $5.9M | $1.8M | $729K | $1K | 0.07% | 0.39% | 0.00% | 394 |
| Q4 2024 | $6.3M | $5.5M | $1.8M | $728K | $49K | 0.78% | 1.09% | 0.00% | 398 |
| Q3 2024 | $6.3M | $5.6M | $1.8M | $723K | $44K | 0.93% | 1.26% | 0.00% | 395 |
| Q2 2024 | $6.3M | $5.6M | $1.8M | $707K | $28K | 0.89% | 1.27% | 0.00% | 392 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $4.0M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Fedco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 81.5% | 21th |
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 | Fedco 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 | Fedco 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 | Fedco 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 | Fedco 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.