| Metric | C & R Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | -0.43% | 0.60% | -1.0 pts |
| ROE | -3.6% | 4.1% | -7.7 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.3M | $3.8M | $2.8M | $521K | $-5K | -0.43% | 5.40% | 2.73% | 665 |
| Q4 2025 | $4.1M | $3.6M | $2.9M | $526K | $4K | 0.09% | 5.69% | 2.90% | 674 |
| Q3 2025 | $4.0M | $3.5M | $2.9M | $524K | $2K | 0.07% | 5.80% | 0.72% | 678 |
| Q2 2025 | $4.3M | $3.8M | $2.9M | $518K | $-4K | -0.18% | 5.47% | 0.05% | 674 |
| Q1 2025 | $4.3M | $3.8M | $2.9M | $502K | $-20K | -1.91% | 4.80% | 1.95% | 686 |
| Q4 2024 | $3.9M | $3.3M | $2.8M | $522K | $-15K | -0.38% | 5.27% | 0.20% | 692 |
| Q3 2024 | $3.7M | $3.2M | $2.8M | $523K | $-14K | -0.51% | 5.51% | 0.50% | 727 |
| Q2 2024 | $3.8M | $3.2M | $2.8M | $539K | $2K | 0.12% | 5.42% | 0.38% | 734 |
| Ratio | C & R Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.43% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $191K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 81.5% | 39th |
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 & R 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 & R 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 & R 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 & R 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% |
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