| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.9% | +1.8 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | +16.9% | +2.9% | +14.0 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 12.2% | 5.9% | +6.3 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $211.8M | $183.5M | $128.2M | $26.8M | $820K | 1.55% | 4.56% | 0.54% | 14,213 |
| Q4 2025 | $206.5M | $179.4M | $124.5M | $25.9M | $2.8M | 1.34% | 4.57% | 0.66% | 14,209 |
| Q3 2025 | $202.4M | $176.2M | $119.5M | $24.9M | $1.7M | 1.12% | 4.60% | 0.46% | 15,409 |
| Q2 2025 | $200.3M | $177.2M | $115.8M | $23.9M | $726K | 0.72% | 4.56% | 0.38% | 15,278 |
| Q1 2025 | $200.3M | $175.0M | $109.6M | $24.0M | $795K | 1.59% | 4.34% | 0.40% | 15,221 |
| Q4 2024 | $196.9M | $172.2M | $109.9M | $23.2M | $3.4M | 1.72% | 4.26% | 0.57% | 15,259 |
| Q3 2024 | $198.4M | $173.8M | $110.7M | $22.4M | $2.6M | 1.75% | 4.12% | 0.53% | 15,365 |
| Q2 2024 | $197.0M | $173.6M | $111.4M | $21.4M | $1.6M | 1.63% | 4.05% |
| Ratio | U.P. State Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 15,353 |
Loan mix (Q1 2026): real estate $43.2M · commercial $612K · consumer $72.5M · securities $52.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 78.7% | 25th |
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. State 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. State 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. State 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. State 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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