| Metric | United Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.9 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | -0.9% | +2.9% | -3.9 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 6.3% | 5.9% | +0.3 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $303.7M | $256.8M | $182.4M | $44.7M | $702K | 0.92% | 4.40% | 0.42% | 37,487 |
| Q4 2025 | $293.0M | $247.4M | $185.5M | $44.0M | $2.3M | 0.79% | 4.35% | 0.41% | 28,440 |
| Q3 2025 | $302.7M | $257.0M | $187.7M | $44.4M | $2.2M | 0.96% | 4.32% | 0.35% | 28,434 |
| Q2 2025 | $305.1M | $261.6M | $187.0M | $43.4M | $1.2M | 0.76% | 4.25% | 0.39% | 28,306 |
| Q1 2025 | $297.6M | $254.8M | $184.1M | $42.9M | $689K | 0.93% | 4.25% | 0.38% | 28,153 |
| Q4 2024 | $277.5M | $236.7M | $190.2M | $42.5M | $4.4M | 1.60% | 4.57% | 0.68% | 28,114 |
| Q3 2024 | $268.6M | $227.3M | $194.7M | $42.1M | $3.5M | 1.75% | 4.84% | 0.63% | 28,138 |
| Q2 2024 | $273.6M | $231.0M | $200.9M | $41.0M | $2.3M | 1.72% | 4.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | United Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 28,048 |
Loan mix (Q1 2026): real estate $40.8M · commercial $6.5M · consumer $107.7M · securities $33.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63th |
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 | United 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 | United 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 | United 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 | United 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.