| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -11.4% | +0.7% | -12.1 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.8M | $6.1M | $4.5M | $1.7M | $7K | 0.36% | 4.40% | 0.81% | 954 |
| Q4 2025 | $7.9M | $6.0M | $4.7M | $1.7M | $99K | 1.26% | 5.09% | 5.19% | 949 |
| Q3 2025 | $8.1M | $6.2M | $4.6M | $1.7M | $56K | 0.93% | 4.91% | 3.16% | 955 |
| Q2 2025 | $8.5M | $6.8M | $4.5M | $1.7M | $-40K | -0.95% | 4.63% | 2.65% | 966 |
| Q1 2025 | $8.5M | $6.8M | $4.6M | $1.7M | $-64K | -3.03% | 4.57% | 2.56% | 987 |
| Q4 2024 | $8.6M | $6.9M | $4.9M | $1.6M | $23K | 0.26% | 4.59% | 3.09% | 991 |
| Q3 2024 | $8.7M | $6.9M | $4.9M | $1.7M | $14K | 0.22% | 4.50% | 5.27% | 958 |
| Q2 2024 | $9.2M | $7.5M | $4.9M | $1.7M | $24K | 0.52% | 4.34% | 2.16% | 995 |
| Ratio | Ure Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $71K · commercial $0 · consumer $4.4M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 81.5% | 74th |
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 | Ure 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 | Ure 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 | Ure 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 | Ure 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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