| Metric | Myusa Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.9 pts |
| Loan growth (YoY) | -8.3% | +2.9% | -11.3 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $355.9M | $285.8M | $173.5M | $49.6M | $633K | 0.71% | 3.42% | 0.66% | 18,337 |
| Q4 2025 | $337.8M | $290.5M | $176.4M | $49.0M | $2.8M | 0.82% | 3.58% | 0.54% | 18,429 |
| Q3 2025 | $338.3M | $288.6M | $179.1M | $48.3M | $1.9M | 0.77% | 3.44% | 1.60% | 18,668 |
| Q2 2025 | $343.5M | $292.8M | $181.8M | $47.2M | $836K | 0.49% | 3.17% | 1.73% | 18,823 |
| Q1 2025 | $340.6M | $290.6M | $189.3M | $46.8M | $468K | 0.55% | 3.17% | 1.35% | 19,006 |
| Q4 2024 | $330.0M | $282.7M | $191.9M | $46.3M | $1.1M | 0.34% | 3.53% | 0.62% | 19,049 |
| Q3 2024 | $321.8M | $277.2M | $187.0M | $46.3M | $1.1M | 0.46% | 3.58% | 0.41% | 19,102 |
| Q2 2024 | $323.9M | $279.7M | $189.8M | $46.3M | $1.1M | 0.69% | 3.66% |
| Ratio | Myusa Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 19,134 |
Loan mix (Q1 2026): real estate $55.9M · commercial $56.8M · consumer $53.0M · securities $108.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 78.7% | 62th |
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 | Myusa 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 | Myusa 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 | Myusa 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 | Myusa 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.