| Metric | Uintah Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.1% | +1.3% | -11.4 pts |
| Share growth (YoY) | -14.7% | +0.7% | -15.3 pts |
| Loan growth (YoY) | -1.4% | -2.4% | +1.0 pts |
| ROA | 3.23% | 0.60% | +2.6 pts |
| ROE | 15.7% | 4.1% | +11.6 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0M | $3.2M | $1.1M | $826K | $32K | 3.23% | 5.23% | 0.00% | 929 |
| Q4 2025 | $4.0M | $3.2M | $1.1M | $793K | $101K | 2.53% | 4.37% | 0.00% | 938 |
| Q3 2025 | $4.5M | $3.7M | $1.1M | $786K | $94K | 2.79% | 4.34% | 0.00% | 940 |
| Q2 2025 | $4.5M | $3.7M | $1.0M | $762K | $70K | 3.12% | 4.66% | 0.00% | 934 |
| Q1 2025 | $4.5M | $3.7M | $1.1M | $726K | $34K | 3.07% | 4.67% | 0.00% | 937 |
| Q4 2024 | $4.5M | $3.8M | $928K | $692K | $129K | 2.83% | 4.43% | 0.00% | 944 |
| Q3 2024 | $4.6M | $3.9M | $950K | $654K | $91K | 2.65% | 4.28% | 0.00% | 941 |
| Q2 2024 | $4.5M | $3.9M | $844K | $629K | $65K | 2.88% | 4.42% | 0.00% | 944 |
| Ratio | Uintah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.23% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $948K · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.0% | 81.5% | 2th |
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 | Uintah 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 | Uintah 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 | Uintah 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 | Uintah 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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