| Metric | Upward Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | +1.0% | -2.6% | +3.6 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.7M | $79.5M | $49.8M | $10.6M | $331K | 0.71% | 4.17% | 1.15% | 4,436 |
| Q1 2026 | $93.7M | $80.5M | $49.8M | $10.4M | $160K | 0.68% | 4.04% | 0.07% | 4,267 |
| Q4 2025 | $93.7M | $80.5M | $50.5M | $10.3M | $736K | 0.79% | 3.77% | 0.18% | 4,293 |
| Q3 2025 | $95.5M | $81.8M | $49.5M | $10.1M | $528K | 0.74% | 3.59% | 1.34% | 4,333 |
| Q2 2025 | $90.1M | $80.2M | $49.3M | $9.8M | $248K | 0.55% | 3.71% | 0.40% | 4,370 |
| Q1 2025 | $91.9M | $81.7M | $48.7M | $9.6M | $112K | 0.49% | 3.58% | 0.19% | 4,426 |
| Q4 2024 | $94.0M | $84.5M | $48.8M | $9.6M | $384K | 0.41% | 3.34% | 0.14% | 4,435 |
| Q3 2024 | $95.3M | $85.8M | $49.3M | $9.4M | $206K | 0.29% | 3.17% | 1.20% |
| Ratio | Upward Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,468 |
| Q2 2024 | $98.4M | $89.4M | $49.5M | $9.3M | $80K | 0.16% | 2.91% | 2.26% | 4,523 |
Loan mix (Q2 2026): real estate $32.7M · commercial $4.6M · consumer $12.2M · securities $34.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 80.6% | 51st |
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 | Upward 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 | Upward 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 | Upward 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 | Upward 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 | Upward 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: San Mateo, CA, ranked 37th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Mateo, CA | 3 | $79.5M* | 0.18% | 37th |
California: 324th with 0.00% · San Francisco-Oakland-Fremont metro: 92nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3