| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +5.1% | +4.3 pts |
| Share growth (YoY) | +11.9% | +4.9% | +7.0 pts |
| Loan growth (YoY) | +15.5% | +5.4% | +10.1 pts |
| ROA | 0.25% | 0.71% | -0.5 pts |
| ROE | 2.3% | 6.3% | -4.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.37B | $1.17B | $1.17B | $147.5M | $845K | 0.25% | 3.68% | 0.80% | 79,919 |
| Q4 2025 | $1.38B | $1.17B | $1.13B | $147.0M | $4.1M | 0.30% | 3.59% | 0.99% | 78,887 |
| Q3 2025 | $1.29B | $1.09B | $1.12B | $137.4M | $2.6M | 0.27% | 3.81% | 0.87% | 78,350 |
| Q2 2025 | $1.28B | $1.08B | $1.09B | $136.8M | $2.0M | 0.30% | 3.76% | 0.78% | 77,267 |
| Q1 2025 | $1.25B | $1.05B | $1.01B | $135.9M | $1.1M | 0.35% | 3.78% | 0.59% | 76,706 |
| Q4 2024 | $1.20B | $1.02B | $1.01B | $108.2M | $3.2M | 0.27% | 3.59% | 0.67% | 75,687 |
| Q3 2024 | $1.14B | $957.3M | $972.3M | $107.0M | $2.0M | 0.23% | 3.70% | 0.87% | 74,874 |
| Q2 2024 | $1.15B | $959.8M | $948.9M | $106.6M | $1.6M | 0.27% | 3.63% |
| Ratio | Usf Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.71% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.3% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 73,900 |
Loan mix (Q1 2026): real estate $474.6M · commercial $57.1M · consumer $614.1M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 73.0% | 57th |
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 | Usf 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 | Usf 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 | Usf 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 | Usf 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.