| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +5.1% | -6.4 pts |
| Share growth (YoY) | -1.9% | +4.9% | -6.8 pts |
| Loan growth (YoY) | -3.1% | +5.4% | -8.5 pts |
| ROA | 0.49% | 0.71% | -0.2 pts |
| ROE | 4.2% | 6.3% | -2.1 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.65B | $2.33B | $1.79B | $315.2M | $3.3M | 0.49% | 3.21% | 0.99% | 126,357 |
| Q4 2025 | $2.66B | $2.33B | $1.78B | $311.9M | $643K | 0.02% | 2.64% | 1.18% | 125,197 |
| Q3 2025 | $2.66B | $2.32B | $1.79B | $318.9M | $7.7M | 0.38% | 2.94% | 0.86% | 124,883 |
| Q2 2025 | $2.66B | $2.34B | $1.81B | $315.5M | $4.3M | 0.32% | 2.88% | 0.94% | 125,045 |
| Q1 2025 | $2.68B | $2.37B | $1.85B | $314.1M | $974K | 0.15% | 2.79% | 0.66% | 132,298 |
| Q4 2024 | $2.65B | $2.35B | $1.90B | $313.2M | $3.1M | 0.12% | 2.75% | 0.78% | 131,497 |
| Q3 2024 | $2.66B | $2.35B | $1.90B | $317.9M | $7.8M | 0.39% | 2.73% | 0.89% | 130,320 |
| Q2 2024 | $2.63B | $2.32B | $1.90B | $315.0M | $4.9M | 0.37% | 2.72% |
| Ratio | Jsc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.71% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 6.3% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 128,733 |
Loan mix (Q1 2026): real estate $909.5M · commercial $39.8M · consumer $810.7M · securities $443.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 73.0% | 49th |
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 | Jsc 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 | Jsc 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 | Jsc 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 | Jsc 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.