| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +5.1% | +7.6 pts |
| Share growth (YoY) | +12.0% | +4.9% | +7.1 pts |
| Loan growth (YoY) | +11.4% | +5.4% | +5.9 pts |
| ROA | 1.20% | 0.71% | +0.5 pts |
| ROE | 9.9% | 6.3% | +3.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.97B | $3.37B | $3.24B | $481.8M | $11.9M | 1.20% | 2.94% | 0.35% | 162,812 |
| Q4 2025 | $3.85B | $3.26B | $3.15B | $469.9M | $46.6M | 1.21% | 2.86% | 0.43% | 160,308 |
| Q3 2025 | $3.72B | $3.16B | $3.07B | $462.0M | $35.0M | 1.25% | 2.89% | 0.41% | 172,264 |
| Q2 2025 | $3.65B | $3.11B | $2.95B | $449.0M | $22.0M | 1.20% | 2.85% | 0.43% | 169,962 |
| Q1 2025 | $3.52B | $3.01B | $2.91B | $438.0M | $11.0M | 1.25% | 2.87% | 0.40% | 168,076 |
| Q4 2024 | $3.41B | $2.93B | $2.87B | $427.0M | $38.0M | 1.11% | 2.75% | 0.48% | 165,724 |
| Q3 2024 | $3.40B | $2.90B | $2.85B | $425.7M | $32.8M | 1.29% | 2.70% | 0.51% | 163,938 |
| Q2 2024 | $3.33B | $2.85B | $2.82B | $416.0M | $23.1M | 1.38% | 2.71% |
| Ratio | Campus USA Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.71% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.3% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 161,758 |
Loan mix (Q1 2026): real estate $1.03B · commercial $432.4M · consumer $1.61B · securities $407.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 73.0% | 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 | Campus USA 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 USA 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 USA 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 USA 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.