| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -8.6% | -2.4% | -6.2 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.8M | $25.3M | $14.4M | $7.2M | $48K | 0.58% | 3.48% | 0.95% | 2,801 |
| Q4 2025 | $32.9M | $25.4M | $14.8M | $7.2M | $945K | 2.87% | 3.77% | 0.56% | 2,790 |
| Q3 2025 | $32.9M | $25.4M | $15.0M | $7.2M | $923K | 3.74% | 3.89% | 0.63% | 2,850 |
| Q2 2025 | $33.7M | $26.4M | $15.4M | $6.8M | $606K | 3.59% | 3.83% | 0.86% | 2,883 |
| Q1 2025 | $33.5M | $26.1M | $15.8M | $6.6M | $321K | 3.83% | 4.02% | 0.54% | 2,890 |
| Q4 2024 | $32.6M | $25.7M | $15.9M | $6.2M | $758K | 2.32% | 3.53% | 0.38% | 2,890 |
| Q3 2024 | $32.3M | $25.4M | $16.3M | $6.1M | $612K | 2.53% | 3.52% | 0.44% | 2,960 |
| Q2 2024 | $31.2M | $24.5M | $16.5M | $6.0M | $463K | 2.97% | 3.58% | 0.60% |
| Ratio | Up Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,955 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $10.1M · securities $11.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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 | Up 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 | Up 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 | Up 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 | Up 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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