No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $240.7M | $208.3M | $138.3M | $30.9M | $1.0M | 1.73% | 3.99% | 0.15% | 17,770 |
| Q4 2025 | $235.7M | $203.6M | $132.1M | $29.8M | $3.8M | 1.62% | 3.85% | 0.30% | 17,621 |
| Q3 2025 | $231.9M | $201.2M | $129.6M | $28.8M | $2.8M | 1.59% | 3.85% | 0.10% | 17,537 |
| Q2 2025 | $233.9M | $204.5M | $126.3M | $27.8M | $1.8M | 1.54% | 3.73% | 0.12% | 17,469 |
| Q1 2025 | $229.4M | $201.3M | $122.1M | $26.9M | $827K | 1.44% | 3.68% | 0.13% | 17,375 |
| Q4 2024 | $223.7M | $196.5M | $120.5M | $26.1M | $3.3M | 1.47% | 3.52% | 0.33% | 17,271 |
| Q3 2024 | $214.8M | $188.3M | $121.9M | $25.1M | $2.3M | 1.44% | 3.60% | 0.18% | 17,221 |
| Q2 2024 | $217.9M | $192.9M | $122.0M | $24.3M | $1.5M | 1.37% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | C E S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 17,247 |
Loan mix (Q1 2026): real estate $54.0M · commercial $562K · consumer $74.0M · securities $80.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 78.7% | 16th |
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 | C E S 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 | C E S 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 | C E S 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 | C E S 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.