| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | -4.6% | +3.3% | -7.9 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.5 pts |
| ROA | -1.19% | 0.69% | -1.9 pts |
| ROE | -13.1% | 5.9% | -19.0 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $435.5M | $373.1M | $171.9M | $39.7M | $-1.3M | -1.19% | 2.34% | 0.64% | 23,527 |
| Q4 2025 | $436.5M | $372.4M | $172.8M | $41.2M | $464K | 0.11% | 2.31% | 0.77% | 23,252 |
| Q3 2025 | $435.8M | $372.6M | $173.7M | $41.3M | $615K | 0.19% | 2.29% | 1.01% | 23,010 |
| Q2 2025 | $433.1M | $392.9M | $168.0M | $41.0M | $354K | 0.16% | 2.22% | 0.79% | 22,759 |
| Q1 2025 | $429.6M | $391.2M | $160.0M | $40.8M | $138K | 0.13% | 2.12% | 0.81% | 22,396 |
| Q4 2024 | $436.5M | $383.5M | $161.1M | $40.8M | $245K | 0.06% | 1.84% | 1.23% | 22,045 |
| Q3 2024 | $465.9M | $386.9M | $147.5M | $40.6M | $5K | 0.00% | 1.69% | 1.59% | 21,624 |
| Q2 2024 | $463.8M | $395.0M | $146.6M | $40.6M | $31K | 0.01% | 1.78% |
| Ratio | Cdc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.19% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -13.1% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.53% |
| 21,236 |
Loan mix (Q1 2026): real estate $93.4M · commercial $0 · consumer $76.9M · securities $189.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 136.2% | 78.7% | 100th |
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 | Cdc 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 | Cdc 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 | Cdc 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 | Cdc 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% |
The full ratio pack is part of CharterBench Pro.