| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.0 pts |
| ROA | 1.25% | 0.69% | +0.6 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $192.6M | $167.0M | $51.7M | $25.1M | $604K | 1.25% | 3.26% | 1.12% | 15,060 |
| Q4 2025 | $184.7M | $159.7M | $50.7M | $24.5M | $3.2M | 1.71% | 3.39% | 1.28% | 14,934 |
| Q3 2025 | $180.6M | $156.5M | $49.8M | $23.5M | $2.2M | 1.62% | 3.37% | 1.71% | 14,743 |
| Q2 2025 | $180.9M | $157.7M | $49.4M | $22.8M | $1.4M | 1.56% | 3.31% | 0.32% | 14,631 |
| Q1 2025 | $182.5M | $160.1M | $48.8M | $22.0M | $648K | 1.42% | 3.17% | 0.17% | 14,504 |
| Q4 2024 | $176.5M | $154.7M | $49.5M | $21.3M | $2.3M | 1.31% | 2.81% | 0.25% | 14,404 |
| Q3 2024 | $172.8M | $151.8M | $49.1M | $20.5M | $1.5M | 1.14% | 2.68% | 0.18% | 14,382 |
| Q2 2024 | $167.9M | $147.6M | $47.7M | $19.9M | $848K | 1.01% | 2.63% |
| Ratio | First Trust Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 14,258 |
Loan mix (Q1 2026): real estate $15.7M · commercial $11.6M · consumer $23.3M · securities $119.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 78.7% | 13th |
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 Trust 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 Trust 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 Trust 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 Trust 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.