| Metric | U.P.S. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.8 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $2.9M | $2.3M | $415K | $78 | 0.01% | 4.72% | 1.35% | 597 |
| Q4 2025 | $3.3M | $2.8M | $2.5M | $415K | $-7K | -0.22% | 4.79% | 0.54% | 613 |
| Q3 2025 | $3.3M | $2.9M | $2.6M | $421K | $-2K | -0.06% | 4.62% | 0.64% | 626 |
| Q2 2025 | $3.4M | $2.9M | $2.5M | $423K | $826 | 0.05% | 4.36% | 5.75% | 624 |
| Q1 2025 | $3.4M | $2.9M | $2.4M | $405K | $-993 | -0.12% | 4.26% | 6.05% | 631 |
| Q4 2024 | $3.3M | $2.8M | $2.4M | $422K | $18K | 0.56% | 4.81% | 6.88% | 646 |
| Q3 2024 | $3.4M | $2.9M | $2.7M | $441K | $37K | 1.46% | 4.69% | 6.24% | 650 |
| Q2 2024 | $3.5M | $3.0M | $2.7M | $438K | $34K | 1.97% | 4.52% | 3.57% | 657 |
| Ratio | U.P.S. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $167K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.8% | 81.5% | 85th |
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 | U.P.S. 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 | U.P.S. 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 | U.P.S. 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 | U.P.S. 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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