| Metric | First Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.8% | -2.2 pts |
| Share growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | +9.6% | +4.3% | +5.3 pts |
| ROA | 0.15% | 0.62% | -0.5 pts |
| ROE | 1.6% | 5.9% | -4.3 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $785.8M | $688.4M | $490.6M | $74.0M | $298K | 0.15% | 3.70% | 0.44% | 44,401 |
| Q4 2025 | $786.7M | $680.9M | $480.1M | $73.7M | $1.4M | 0.18% | 3.65% | 0.60% | 44,210 |
| Q3 2025 | $770.9M | $672.5M | $477.6M | $73.2M | $847K | 0.15% | 3.69% | 0.69% | 44,593 |
| Q2 2025 | $766.6M | $669.1M | $473.2M | $72.8M | $448K | 0.12% | 3.63% | 0.62% | 44,593 |
| Q1 2025 | $766.0M | $675.5M | $447.7M | $73.1M | $-156K | -0.08% | 3.50% | 0.59% | 44,207 |
| Q4 2024 | $735.1M | $655.2M | $411.1M | $73.2M | $7.7M | 1.04% | 3.75% | 1.13% | 44,042 |
| Q3 2024 | $753.9M | $635.6M | $407.4M | $74.2M | $8.6M | 1.53% | 3.71% | 0.95% | 44,420 |
| Q2 2024 | $731.3M | $613.7M | $402.0M | $74.4M | $8.2M | 2.24% | 3.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | First Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.62% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 44,686 |
Loan mix (Q1 2026): real estate $111.3M · commercial $83.6M · consumer $275.1M · securities $151.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 78.3% | 54th |
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 | First 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 | First 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 | First 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 | First 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.