| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +3.9% | -6.9 pts |
| Share growth (YoY) | -1.9% | +3.3% | -5.2 pts |
| Loan growth (YoY) | +10.9% | +2.9% | +7.9 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.1% | 5.9% | -3.8 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $233.4M | $206.0M | $102.5M | $24.5M | $129K | 0.22% | 2.68% | 0.19% | 16,134 |
| Q4 2025 | $234.1M | $206.8M | $98.4M | $24.3M | $558K | 0.24% | 2.60% | 0.35% | 16,030 |
| Q3 2025 | $234.9M | $206.9M | $95.3M | $24.3M | $438K | 0.25% | 2.59% | 0.55% | 15,903 |
| Q2 2025 | $235.5M | $207.1M | $93.1M | $24.2M | $304K | 0.26% | 2.55% | 0.47% | 15,545 |
| Q1 2025 | $240.6M | $210.1M | $92.5M | $24.0M | $144K | 0.24% | 2.43% | 0.25% | 15,415 |
| Q4 2024 | $238.7M | $207.2M | $94.2M | $23.9M | $872K | 0.37% | 2.61% | 0.22% | 15,331 |
| Q3 2024 | $243.0M | $207.3M | $97.8M | $23.7M | $655K | 0.36% | 2.57% | 0.08% | 15,236 |
| Q2 2024 | $249.1M | $213.7M | $100.3M | $23.5M | $441K | 0.35% | 2.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | University Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 15,070 |
Loan mix (Q1 2026): real estate $48.3M · commercial $32.6M · consumer $20.3M · securities $57.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 78.7% | 80th |
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 | University 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 | University 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 | University 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 | University 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.