| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.9% | -3.2 pts |
| Share growth (YoY) | -0.6% | +3.3% | -3.9 pts |
| Loan growth (YoY) | +6.6% | +2.9% | +3.7 pts |
| ROA | 0.36% | 0.69% | -0.3 pts |
| ROE | 2.9% | 5.9% | -3.1 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $260.3M | $227.8M | $136.9M | $32.1M | $232K | 0.36% | 3.64% | 0.26% | 19,136 |
| Q4 2025 | $252.4M | $220.7M | $135.3M | $31.8M | $2.2M | 0.88% | 3.50% | 0.34% | 19,234 |
| Q3 2025 | $253.0M | $221.7M | $134.3M | $31.7M | $1.9M | 1.01% | 3.44% | 0.40% | 19,329 |
| Q2 2025 | $256.3M | $225.9M | $131.2M | $31.4M | $1.6M | 1.26% | 3.30% | 0.44% | 19,419 |
| Q1 2025 | $258.5M | $229.2M | $128.4M | $30.6M | $843K | 1.30% | 3.07% | 0.49% | 19,610 |
| Q4 2024 | $252.1M | $224.5M | $130.5M | $29.8M | $-199K | -0.08% | 2.55% | 0.66% | 19,394 |
| Q3 2024 | $253.0M | $224.9M | $131.4M | $29.9M | $-245K | -0.13% | 2.45% | 0.74% | 19,617 |
| Q2 2024 | $254.0M | $226.9M | $133.2M | $29.8M | $-342K | -0.27% | 2.36% |
| Ratio | Usx Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 19,834 |
Loan mix (Q1 2026): real estate $76.9M · commercial $2.7M · consumer $55.2M · securities $94.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 78.7% | 86th |
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 | Usx 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 | Usx 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 | Usx 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 | Usx 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.