| Metric | Case Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.5 pts |
| ROA | 0.36% | 0.69% | -0.3 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $405.2M | $341.3M | $297.3M | $43.7M | $360K | 0.36% | 4.31% | 0.60% | 26,822 |
| Q4 2025 | $395.8M | $331.0M | $300.6M | $43.3M | $3.2M | 0.80% | 4.22% | 0.86% | 27,179 |
| Q3 2025 | $386.5M | $323.4M | $296.6M | $42.3M | $1.7M | 0.59% | 4.27% | 1.08% | 27,820 |
| Q2 2025 | $399.6M | $331.5M | $289.3M | $41.5M | $887K | 0.44% | 4.04% | 1.08% | 28,102 |
| Q1 2025 | $401.6M | $333.7M | $295.9M | $40.7M | $97K | 0.10% | 3.91% | 0.70% | 28,679 |
| Q4 2024 | $389.4M | $325.3M | $298.9M | $40.6M | $2.4M | 0.62% | 3.93% | 1.03% | 29,077 |
| Q3 2024 | $384.3M | $317.3M | $300.3M | $41.1M | $2.5M | 0.86% | 3.94% | 0.89% | 33,601 |
| Q2 2024 | $393.0M | $324.3M | $292.7M | $39.3M | $668K | 0.34% | 3.78% |
| Ratio | Case Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 34,200 |
Loan mix (Q1 2026): real estate $89.2M · commercial $99.4M · consumer $94.5M · securities $54.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 78.7% | 76th |
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 | Case 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 | Case 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 | Case 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 | Case 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.