| Metric | Uncle Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.8% | -6.8 pts |
| Share growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | -1.4% | +4.3% | -5.8 pts |
| ROA | 0.13% | 0.62% | -0.5 pts |
| ROE | 1.6% | 5.9% | -4.3 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $738.0M | $663.7M | $628.5M | $58.5M | $236K | 0.13% | 4.10% | 0.67% | 36,338 |
| Q4 2025 | $756.9M | $667.2M | $645.3M | $58.5M | $1.5M | 0.20% | 3.87% | 1.11% | 37,000 |
| Q3 2025 | $771.0M | $670.2M | $662.4M | $57.9M | $901K | 0.16% | 3.78% | 1.00% | 40,083 |
| Q2 2025 | $774.0M | $675.9M | $662.3M | $56.2M | $-822K | -0.21% | 3.70% | 0.87% | 39,637 |
| Q1 2025 | $753.8M | $674.0M | $637.6M | $58.0M | $-647K | -0.34% | 3.68% | 0.68% | 39,071 |
| Q4 2024 | $747.6M | $686.4M | $638.5M | $58.9M | $2.4M | 0.32% | 3.37% | 0.92% | 38,375 |
| Q3 2024 | $754.0M | $691.5M | $625.9M | $58.4M | $1.8M | 0.33% | 3.24% | 0.47% | 37,673 |
| Q2 2024 | $729.1M | $670.8M | $600.3M | $57.0M | $466K | 0.13% | 3.26% |
| Ratio | Uncle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.62% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 36,475 |
Loan mix (Q1 2026): real estate $389.5M · commercial $6.2M · consumer $226.4M · securities $56.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 78.3% | 81th |
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 | Uncle 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 | Uncle 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 | Uncle 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 | Uncle 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.