| Metric | Cabrillo Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.8% | +7.9 pts |
| Share growth (YoY) | +12.6% | +4.3% | +8.3 pts |
| Loan growth (YoY) | +47.9% | +4.3% | +43.6 pts |
| ROA | 0.44% | 0.62% | -0.2 pts |
| ROE | 4.7% | 5.9% | -1.2 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $571.8M | $511.8M | $401.7M | $53.4M | $627K | 0.44% | 3.86% | 0.66% | 29,062 |
| Q4 2025 | $570.6M | $512.6M | $373.5M | $52.7M | $3.7M | 0.65% | 3.28% | 0.75% | 28,932 |
| Q3 2025 | $544.1M | $487.3M | $319.6M | $51.9M | $2.9M | 0.70% | 3.34% | 0.41% | 28,202 |
| Q2 2025 | $526.3M | $470.6M | $299.4M | $51.1M | $2.0M | 0.78% | 3.33% | 0.29% | 27,592 |
| Q1 2025 | $507.7M | $454.4M | $271.5M | $49.6M | $588K | 0.46% | 3.35% | 0.16% | 27,653 |
| Q4 2024 | $403.2M | $361.4M | $241.8M | $42.0M | $5.0M | 1.24% | 3.57% | 0.38% | 24,719 |
| Q3 2024 | $409.5M | $357.2M | $229.6M | $41.0M | $4.1M | 1.32% | 3.44% | 0.23% | 24,546 |
| Q2 2024 | $408.9M | $359.3M | $229.0M | $40.9M | $3.9M | 1.91% | 3.37% |
| Ratio | Cabrillo Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.62% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 24,400 |
Loan mix (Q1 2026): real estate $247.7M · commercial $5.6M · consumer $145.2M · securities $117.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.3% | 68th |
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 | Cabrillo 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 | Cabrillo 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 | Cabrillo 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 | Cabrillo 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.