| Metric | Usc Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.8% | -2.8 pts |
| Share growth (YoY) | +1.3% | +4.3% | -3.0 pts |
| Loan growth (YoY) | +7.6% | +4.3% | +3.2 pts |
| ROA | 0.55% | 0.62% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $719.2M | $631.2M | $563.2M | $74.5M | $985K | 0.55% | 3.69% | 0.70% | 74,649 |
| Q4 2025 | $713.9M | $624.0M | $555.7M | $73.5M | $2.2M | 0.31% | 3.31% | 0.78% | 73,723 |
| Q3 2025 | $708.3M | $622.5M | $533.3M | $72.9M | $1.6M | 0.30% | 3.27% | 0.80% | 73,178 |
| Q2 2025 | $702.8M | $618.8M | $537.6M | $73.0M | $914K | 0.26% | 3.24% | 1.08% | 71,464 |
| Q1 2025 | $705.7M | $623.1M | $523.6M | $73.6M | $205K | 0.12% | 3.18% | 0.69% | 82,529 |
| Q4 2024 | $693.8M | $613.1M | $530.1M | $73.4M | $1.4M | 0.20% | 3.25% | 0.69% | 81,988 |
| Q3 2024 | $737.5M | $618.5M | $517.1M | $73.5M | $1.5M | 0.27% | 3.06% | 0.60% | 81,740 |
| Q2 2024 | $736.4M | $622.1M | $515.2M | $72.9M | $881K | 0.24% | 3.03% |
| Ratio | Usc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.62% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 80,203 |
Loan mix (Q1 2026): real estate $342.9M · commercial $217K · consumer $179.7M · securities $92.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 78.3% | 45th |
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 | Usc 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 | Usc 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 | Usc 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 | Usc 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.