| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +4.9 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.9M | $16.0M | $7.5M | $1.9M | $9K | 0.21% | 3.43% | 0.89% | 1,157 |
| Q4 2025 | $17.6M | $15.7M | $7.6M | $1.8M | $58K | 0.33% | 3.46% | 0.97% | 1,154 |
| Q3 2025 | $17.4M | $15.5M | $7.6M | $1.9M | $45K | 0.35% | 3.44% | 0.73% | 1,188 |
| Q2 2025 | $17.5M | $15.6M | $7.3M | $1.8M | $24K | 0.28% | 3.36% | 0.79% | 1,202 |
| Q1 2025 | $17.9M | $16.0M | $7.3M | $1.8M | $14K | 0.32% | 3.24% | 0.85% | 1,221 |
| Q4 2024 | $17.5M | $15.7M | $7.7M | $1.8M | $25K | 0.14% | 3.28% | 0.01% | 1,250 |
| Q3 2024 | $17.8M | $15.9M | $7.9M | $1.8M | $18K | 0.14% | 3.21% | 0.93% | 1,312 |
| Q2 2024 | $18.2M | $16.4M | $7.6M | $1.8M | $6K | 0.07% | 3.13% | 0.90% | 1,337 |
| Ratio | Cbi Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $3.4M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 81.5% | 75th |
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 | Cbi Federal 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 | Cbi Federal 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 | Cbi Federal 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 | Cbi Federal 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% |
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