| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -5.2% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -1.1% | -2.4% | +1.2 pts |
| ROA | 2.20% | 0.60% | +1.6 pts |
| ROE | 12.2% | 4.1% | +8.1 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $11.5M | $6.5M | $2.5M | $78K | 2.20% | 4.53% | 1.24% | 1,322 |
| Q4 2025 | $13.8M | $11.3M | $6.4M | $2.5M | $240K | 1.74% | 5.02% | 1.16% | 1,318 |
| Q3 2025 | $14.2M | $11.7M | $6.2M | $2.4M | $210K | 1.98% | 4.90% | 1.78% | 1,314 |
| Q2 2025 | $14.2M | $11.8M | $6.4M | $2.4M | $128K | 1.81% | 4.99% | 1.36% | 1,307 |
| Q1 2025 | $14.5M | $12.1M | $6.5M | $2.3M | $88K | 2.42% | 4.95% | 3.92% | 1,346 |
| Q4 2024 | $14.9M | $12.6M | $6.8M | $2.2M | $374K | 2.52% | 4.68% | 1.67% | 1,341 |
| Q3 2024 | $14.5M | $12.3M | $6.8M | $2.2M | $346K | 3.18% | 4.76% | 0.89% | 1,336 |
| Q2 2024 | $15.0M | $12.9M | $6.9M | $2.1M | $249K | 3.31% | 4.51% | 0.74% |
| Ratio | Cce Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,327 |
Loan mix (Q1 2026): real estate $302K · commercial $0 · consumer $4.8M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 81.5% | 5th |
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 | Cce 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 | Cce 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 | Cce 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 | Cce 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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