| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | -3.0% | +2.9% | -6.0 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 4.9% | 5.9% | -1.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $429.1M | $375.3M | $209.0M | $51.9M | $634K | 0.59% | 3.64% | 1.13% | 38,419 |
| Q4 2025 | $422.2M | $368.3M | $212.5M | $51.3M | $4.1M | 0.96% | 3.84% | 1.69% | 38,908 |
| Q3 2025 | $419.5M | $367.0M | $215.6M | $51.1M | $3.9M | 1.23% | 3.84% | 2.01% | 39,768 |
| Q2 2025 | $424.1M | $372.7M | $216.1M | $50.5M | $3.3M | 1.54% | 3.78% | 2.12% | 34,660 |
| Q1 2025 | $424.2M | $374.1M | $215.6M | $50.0M | $2.8M | 2.66% | 3.72% | 1.75% | 34,811 |
| Q4 2024 | $417.7M | $371.9M | $219.4M | $47.2M | $730K | 0.17% | 3.96% | 1.79% | 46,445 |
| Q3 2024 | $416.2M | $369.8M | $219.9M | $47.1M | $598K | 0.19% | 4.01% | 2.21% | 46,739 |
| Q2 2024 | $418.3M | $375.3M | $223.1M | $47.0M | $498K | 0.24% | 4.00% |
| Ratio | Universal 1 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.91% |
| 47,253 |
Loan mix (Q1 2026): real estate $64.9M · commercial $31.1M · consumer $110.0M · securities $150.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 78.7% | 24th |
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 | Universal 1 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 | Universal 1 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 | Universal 1 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 | Universal 1 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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