| Metric | Capitol Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +14.8% | +2.9% | +11.9 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 2.3% | 5.9% | -3.6 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $232.3M | $202.4M | $172.9M | $27.9M | $162K | 0.28% | 3.68% | 0.16% | 14,217 |
| Q4 2025 | $229.8M | $199.9M | $168.8M | $27.8M | $1.2M | 0.52% | 3.67% | 0.28% | 13,971 |
| Q3 2025 | $224.6M | $195.1M | $164.0M | $27.2M | $664K | 0.39% | 3.71% | 0.22% | 13,706 |
| Q2 2025 | $220.6M | $192.1M | $161.1M | $27.2M | $375K | 0.34% | 3.70% | 0.31% | 13,403 |
| Q1 2025 | $221.0M | $192.7M | $150.6M | $27.0M | $138K | 0.25% | 3.55% | 0.23% | 13,424 |
| Q4 2024 | $218.6M | $190.7M | $149.5M | $26.8M | $762K | 0.35% | 3.44% | 0.17% | 13,246 |
| Q3 2024 | $215.3M | $177.4M | $147.9M | $26.5M | $449K | 0.28% | 3.42% | 0.12% | 13,061 |
| Q2 2024 | $214.9M | $177.6M | $146.3M | $26.5M | $239K | 0.22% | 3.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Capitol Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 12,914 |
Loan mix (Q1 2026): real estate $74.6M · commercial $0 · consumer $95.0M · securities $25.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 78.7% | 88th |
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 | Capitol 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 | Capitol 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 | Capitol 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 | Capitol 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.