| Metric | Capital Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.1% | +1.7 pts |
| Share growth (YoY) | +8.1% | +4.9% | +3.2 pts |
| Loan growth (YoY) | +7.1% | +5.4% | +1.6 pts |
| ROA | 0.98% | 0.71% | +0.3 pts |
| ROE | 8.3% | 6.3% | +2.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.84B | $2.36B | $2.33B | $337.0M | $7.0M | 0.98% | 3.14% | 0.77% | 127,670 |
| Q4 2025 | $2.78B | $2.30B | $2.34B | $330.0M | $27.8M | 1.00% | 3.16% | 1.01% | 127,388 |
| Q3 2025 | $2.74B | $2.27B | $2.35B | $325.1M | $20.6M | 1.00% | 3.17% | 1.05% | 127,200 |
| Q2 2025 | $2.72B | $2.23B | $2.29B | $316.8M | $12.3M | 0.91% | 3.11% | 0.99% | 125,594 |
| Q1 2025 | $2.66B | $2.18B | $2.18B | $309.3M | $4.9M | 0.73% | 2.99% | 0.99% | 123,476 |
| Q4 2024 | $2.58B | $2.10B | $2.15B | $304.4M | $21.4M | 0.83% | 2.92% | 1.13% | 122,293 |
| Q3 2024 | $2.52B | $2.05B | $2.11B | $298.9M | $13.7M | 0.72% | 2.91% | 1.22% | 121,192 |
| Q2 2024 | $2.49B | $2.02B | $2.08B | $295.2M | $10.0M | 0.81% | 2.91% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Capital Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.71% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 6.3% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.08% |
| 120,119 |
Loan mix (Q1 2026): real estate $1.01B · commercial $340.5M · consumer $784.2M · securities $157.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 73.0% | 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.