| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +3.9% | -4.6 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +0.9 pts |
| ROA | 1.02% | 0.69% | +0.3 pts |
| ROE | 11.0% | 5.9% | +5.0 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $334.1M | $303.9M | $167.2M | $31.1M | $853K | 1.02% | 3.15% | 0.18% | 17,428 |
| Q4 2025 | $340.7M | $310.9M | $166.2M | $30.2M | $2.4M | 0.70% | 2.37% | 0.19% | 17,446 |
| Q3 2025 | $340.2M | $311.4M | $165.7M | $29.1M | $1.3M | 0.51% | 2.27% | 0.15% | 17,452 |
| Q2 2025 | $334.2M | $307.1M | $161.6M | $28.4M | $603K | 0.36% | 2.14% | 0.07% | 17,412 |
| Q1 2025 | $336.4M | $304.8M | $160.9M | $28.1M | $286K | 0.34% | 2.02% | 0.11% | 17,423 |
| Q4 2024 | $351.5M | $295.0M | $160.6M | $27.8M | $518K | 0.15% | 1.84% | 0.18% | 17,390 |
| Q3 2024 | $341.5M | $284.1M | $161.2M | $27.7M | $366K | 0.14% | 1.87% | 0.05% | 17,330 |
| Q2 2024 | $339.2M | $284.3M | $161.5M | $27.5M | $218K | 0.13% | 1.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | UMe Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 17,303 |
Loan mix (Q1 2026): real estate $125.3M · commercial $4.9M · consumer $36.0M · securities $133.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 78.7% | 18th |
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 | UMe Federal 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 | UMe Federal 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 | UMe Federal 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 | UMe Federal 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.