| Metric | Campus Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +1.3% | +10.5 pts |
| Share growth (YoY) | +12.9% | +0.7% | +12.2 pts |
| Loan growth (YoY) | +5.6% | -2.4% | +8.0 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 2.7% | 4.1% | -1.4 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 | $41.4M | $37.5M | $28.3M | $3.6M | $25K | 0.24% | 5.11% | 0.23% | 4,584 |
| Q4 2025 | $39.4M | $35.6M | $28.8M | $3.6M | $160K | 0.41% | 5.43% | 2.12% | 4,653 |
| Q3 2025 | $39.5M | $35.7M | $28.7M | $3.6M | $149K | 0.50% | 5.45% | 2.42% | 4,815 |
| Q2 2025 | $34.5M | $30.7M | $27.7M | $3.6M | $105K | 0.61% | 6.11% | 0.36% | 4,737 |
| Q1 2025 | $37.0M | $33.3M | $26.8M | $3.6M | $109K | 1.18% | 5.54% | 0.25% | 4,661 |
| Q4 2024 | $35.2M | $31.6M | $26.9M | $3.5M | $61K | 0.17% | 5.01% | 0.76% | 4,619 |
| Q3 2024 | $34.2M | $30.6M | $26.4M | $3.4M | $-24K | -0.09% | 5.01% | 0.59% | 4,662 |
| Q2 2024 | $34.1M | $30.6M | $25.4M | $3.4M | $-32K | -0.19% | 4.83% | 2.41% |
| Ratio | Campus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,599 |
Loan mix (Q1 2026): real estate $2.9M · commercial $3.9M · consumer $21.0M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 81.5% | 55th |
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 | Campus 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 | Campus 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 | Campus 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 | Campus 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.