| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.3 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.3 pts |
| ROA | 1.02% | 0.60% | +0.4 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.3M | $28.9M | $24.2M | $7.6M | $95K | 1.02% | 4.67% | 1.00% | 4,267 |
| Q4 2025 | $37.0M | $28.7M | $25.0M | $7.5M | $995K | 2.69% | 4.76% | 0.95% | 4,286 |
| Q3 2025 | $36.1M | $28.3M | $25.2M | $6.8M | $221K | 0.82% | 4.87% | 0.64% | 4,320 |
| Q2 2025 | $36.4M | $28.5M | $24.5M | $6.7M | $152K | 0.83% | 4.82% | 1.11% | 4,288 |
| Q1 2025 | $36.7M | $28.8M | $23.5M | $6.6M | $75K | 0.82% | 4.80% | 1.38% | 4,266 |
| Q4 2024 | $34.6M | $27.7M | $22.8M | $6.5M | $622K | 1.80% | 5.15% | 1.78% | 4,235 |
| Q3 2024 | $34.8M | $27.9M | $22.3M | $6.1M | $137K | 0.52% | 5.13% | 1.83% | 4,181 |
| Q2 2024 | $35.0M | $28.2M | $22.1M | $6.1M | $104K | 0.60% | 5.03% | 1.56% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Uno Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,171 |
Loan mix (Q1 2026): real estate $724K · commercial $0 · consumer $22.9M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 81.5% | 53th |
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 | Uno 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 | Uno 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 | Uno 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 | Uno 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% |
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