| Metric | L. E. O. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -8.2% | +0.7% | -8.9 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.5 pts |
| ROA | -1.82% | 0.60% | -2.4 pts |
| ROE | -7.5% | 4.1% | -11.6 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.4M | $7.9M | $3.7M | $2.5M | $-47K | -1.82% | 3.79% | 6.16% | 1,521 |
| Q4 2025 | $10.2M | $7.7M | $3.9M | $2.6M | $52K | 0.50% | 4.18% | 6.77% | 1,522 |
| Q3 2025 | $10.5M | $8.0M | $3.8M | $2.6M | $44K | 0.56% | 4.04% | 5.68% | 1,543 |
| Q2 2025 | $11.0M | $8.5M | $3.8M | $2.6M | $46K | 0.84% | 3.91% | 5.36% | 1,571 |
| Q1 2025 | $11.0M | $8.6M | $3.9M | $2.6M | $26K | 0.96% | 4.21% | 2.93% | 1,581 |
| Q4 2024 | $10.5M | $8.1M | $4.0M | $2.5M | $80K | 0.77% | 3.84% | 4.11% | 1,597 |
| Q3 2024 | $10.7M | $8.3M | $4.3M | $2.5M | $3K | 0.03% | 3.78% | 2.48% | 1,618 |
| Q2 2024 | $10.7M | $8.5M | $4.3M | $2.5M | $-13K | -0.24% | 3.79% | 1.76% | 1,670 |
| Ratio | L. E. O. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.82% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.5% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.0% | 81.5% | 94th |
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 | L. E. O. 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 | L. E. O. 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 | L. E. O. 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 | L. E. O. 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% |
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