| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -6.1% | +0.9% | -7.0 pts |
| Loan growth (YoY) | -8.8% | -2.6% | -6.1 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 1.4% | 4.4% | -2.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.2M | $24.8M | $14.0M | $7.2M | $52K | 0.32% | 3.51% | 0.89% | 2,800 |
| 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% |
| Ratio | Up Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,960 |
| Q2 2024 | $31.2M | $24.5M | $16.5M | $6.0M | $463K | 2.97% | 3.58% | 0.60% | 2,955 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $9.6M · securities $13.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 80.6% | 67th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Pulaski, AR, ranked 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 2 | $24.8M* | 0.08% | 36th |
Arkansas: 134th with 0.02% · Little Rock-North Little Rock-Conway metro: 46th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2