| Metric | Cahp Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +3.9% | +7.8 pts |
| Share growth (YoY) | +11.8% | +3.3% | +8.5 pts |
| Loan growth (YoY) | +0.7% | +2.9% | -2.2 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 7.9% | 5.9% | +1.9 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $404.0M | $365.7M | $280.3M | $35.4M | $697K | 0.69% | 3.66% | 0.07% | 22,695 |
| Q4 2025 | $391.7M | $354.3M | $287.6M | $34.7M | $3.3M | 0.84% | 3.83% | 0.08% | 22,578 |
| Q3 2025 | $382.6M | $346.1M | $288.5M | $33.8M | $2.4M | 0.85% | 3.87% | 0.07% | 22,722 |
| Q2 2025 | $374.2M | $338.5M | $284.8M | $33.0M | $1.6M | 0.85% | 3.90% | 0.05% | 22,422 |
| Q1 2025 | $361.6M | $327.2M | $278.4M | $32.0M | $673K | 0.74% | 3.91% | 0.08% | 22,274 |
| Q4 2024 | $348.3M | $314.1M | $281.7M | $31.4M | $3.7M | 1.05% | 4.14% | 0.11% | 22,150 |
| Q3 2024 | $343.2M | $310.1M | $283.7M | $30.6M | $2.9M | 1.14% | 4.16% | 0.14% | 21,952 |
| Q2 2024 | $337.9M | $305.0M | $285.2M | $29.8M | $2.1M | 1.24% | 4.18% |
| Ratio | Cahp Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 21,781 |
Loan mix (Q1 2026): real estate $52.5M · commercial $4.4M · consumer $196.2M · securities $23.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.7% | 65th |
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 | Cahp 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 | Cahp 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 | Cahp 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 | Cahp 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.