| Metric | Capital Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.8% | +3.7 pts |
| Share growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| ROA | 0.96% | 0.62% | +0.3 pts |
| ROE | 7.5% | 5.9% | +1.5 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $907.8M | $768.2M | $683.6M | $117.2M | $2.2M | 0.96% | 3.55% | 1.53% | 32,476 |
| Q4 2025 | $889.6M | $754.8M | $676.5M | $115.0M | $11.0M | 1.24% | 3.31% | 1.43% | 32,626 |
| Q3 2025 | $854.3M | $719.8M | $657.2M | $112.6M | $8.6M | 1.35% | 3.34% | 1.91% | 32,607 |
| Q2 2025 | $832.7M | $705.0M | $645.1M | $107.3M | $3.4M | 0.81% | 3.33% | 1.94% | 32,529 |
| Q1 2025 | $836.7M | $712.7M | $639.9M | $105.7M | $1.7M | 0.81% | 3.22% | 1.53% | 32,107 |
| Q4 2024 | $815.3M | $690.0M | $624.1M | $104.0M | $6.1M | 0.74% | 3.12% | 1.43% | 32,206 |
| Q3 2024 | $798.0M | $668.2M | $610.1M | $103.3M | $5.4M | 0.90% | 3.18% | 0.93% | 32,188 |
| Q2 2024 | $771.8M | $647.3M | $595.4M | $101.3M | $3.3M | 0.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Capital Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.62% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.23% |
| 1.23% |
| 32,240 |
Loan mix (Q1 2026): real estate $229.4M · commercial $322.5M · consumer $88.1M · securities $116.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 78.3% | 27th |
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 | Capital 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 | Capital 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 | Capital 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 | Capital 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.