| C S P Employees | |
|---|---|
| Profile | |
| Type | Credit Union |
| Established | — |
| Latest report | — |
| Size | |
| Total assets | — |
| Shares & deposits | — |
| Loans | — |
| Members | — |
| Growth (year over year) | |
| Assets | — |
| Shares & deposits | — |
| Loans | — |
| Members | — |
| Profitability | |
Return on assets Annualized net income ÷ assets | 0.52% |
Return on equity Annualized net income ÷ equity or net worth | 4.3% |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% |
Non-interest income share Fees and other income as a share of total revenue | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% |
| Balance sheet | |
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% |
Loans-to-assets How much of the balance sheet is lent out | 00.0% |
Securities-to-assets Investment portfolio as a share of assets | 00.0% |
Cash-to-assets On-balance-sheet liquidity | 00.0% |
| Capital | |
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% |
| Credit quality | |
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% |
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% |
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% |
| Franchise | |
Loans per member Member borrowing depth | 00.0% |
Deposits per member Member relationship depth | 00.0% |
Cost of funds, capital, charge-offs, CRE concentration and more are part of CharterBench Pro.
Growth and ratio rows highlight the strongest value in green. Ratios use each institution’s latest call report; peer median is the first institution’s asset band and charter type.